davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
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 (CA)

I opened a dispute with my credit card for a service I paid for but did not receive. I hired a moving company to transport my belongings from XXXX to XXXX. Per the moving company 's contract this was to take place within 30 days. The moving company did not complete the move ; my belongings were instead taken to XXXX XXXX and I was told I would have to pay a fee to get them back. 
I started the dispute process on this charge, totaling {$1300.00}. The date of the charge was XX/XX/XXXX. I opened the dispute on XX/XX/XXXX. I provided evidence supporting the dispute on XX/XX/XXXX. My response was very thorough and included a copy of the contract given to me by the moving company which promised delivery within 30 days as well as receipts for the moving truck I had to rent to retrieve my belongings, the complaint I filed with DOT, etc. On XX/XX/XXXX I received an email from my credit card company notifying me that my claim was denied with a follow up letter in writing stating that my response for information lacked the information requested. I called the dispute department on XX/XX/XXXX to find out why I would receive such a response. I was told that the validity of my claim was not in question, simply that the merchant denied the chargeback and that my credit card company was no longer able to retrieve the disputed amount. So in contrary to what I was initially told, my response did contain the requested information. My claim was not denied because it was invalid but because my credit card company was not successful in retrieving the disputed amount from the merchant. So because they did not want to be responsible for the amount of the dispute, they rebilled me instead.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I filed a complaint with Experian requesting them to remove a name that is incorrectly reported to them my official name as it is on my NC drivers License should be XXXX XXXX XXXX. 

One of the incorrect names on the report is XXXX XXXX, I informed them that this was the incorrect information and they sent back that they would not be removing the information, that is the information that is sent to them from another but I would have to contact Experian to be able to contact the source and they supplied me with a number. 
Just because a source gave them the name does not mean that they took it correctly, Experian thinks they are always right and it is my right to have the correct information on file. I think I know what is correct and they act like that I am trying to remove something that is illegal or illegitimate.
Consumer complaint received 2019-11-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (TX)

I am slightly behind but making progress on my past due loan. They call multiple times a day, everyday, even on Sundays. I tell them everyday to stop harassing me and that I will catch up, soon. The calls continue. It is a robo-dialer.
Consumer complaint received 2022-08-28
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Recovery Services, Inc. (SC)

I continuously receive letters about a debt through a collection agency which is not accurate. Theyre saying I owe XXXX  on a credit card debt when my credit limit was not that high.This information is not accurate as well as this is in violation of my Hippa rights. XXXX XXXXXXXX which is the name of the company have tried to contact for over a year about inaccurate information on this bill.
Consumer complaint received 2018-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (DE)

I opened an account with M & T bank on the XXXX of XXXX. I was told my account would be new but if I were told that it would take six days to deposit a check for 30 days I would have walked out. 

Whenever I called the bank I'd get conflicting information. I deposited another check last Thursday ( XXXX of XXXX ) from my employer and I have to wait till Saturday ( XXXX of XXXX ) to access my money. I spoke with the branch manager and told them I'd be closing my account and asked for a wavier of the {$50.00} closing fee and she said come in Monday. 

This bank has been holding my money hostage with these holds and I find it extremely inappropriate that I must wait till Saturday to get my money in to close my account with this Bank that has caused me so many delays in my life. Like I said if I was told moments like this will occur for 30 days I would have walked out of the bank and not opened an account there.
Consumer complaint received 2019-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NH)

I have been getting daily phone calls for over a month from XXXX XXXX ( XXXX was the number they used yesterday ) asking that XXXX XXXX call them about a XXXX XXXX account right away at XXXX. There is no one in my household by that name and never has been. I have never had and account with XXXX XXXX or XXXX XXXX. When I searched the number online it looks like many people have had similar experiences and believe this is a scam. I want the calls to stop.
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (FL)

My mother died in XX/XX/2021. She had a safe deposit box at Chase Bank in XXXX, FL. I can not get anyone to answer the phone or take a message. The XXXX number to reach a Chase Banker will not let me in because I don't have my mother 's full account number. I have the last few numbers of it. I live 350 miles away. My mother 's attorney is in XXXX, and she wants me to get permission for her to get the box open to look for the original Will. I know the box number, and I have the key. She said she will mail me the legal forms for me to sign giving her permission to gain entrance to the safe deposit box. I believe I am on my mother 's box. If they would just answer the phone, it could be taken care of, but they won't. Please help me. I am my mother 's sole heir, and my attorney has her Death Certificate.
Consumer complaint received 2019-01-25
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: NCB Management Services Inc. (CA)

XXXX has been non-compliant with removing the unverified account NCB MANAGEMENT SERVICES, INC.  Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that NCB MANAGEMENT SERVICES , INC. was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I ordered furniture from XXXX about 3-4 years ago ( to include warranty ). The furniture kept falling apart ( despite multiple replacements ) so I asked for a refund. The company took three months to pick up the broken furniture and had not refunded me the amount paid. The company then put my balance as owed on my credit report - even though the amount owed to me surpassed the amount I owed them. I worked for three years to get this resolved and was finally issued a check this XX/XX/2021 for over {$800.00} ( amount owed on credit report was {$660.00} ). Even though I have finally received my money, the collection is still on my credit report. I have disputed with the credit bureaus but XXXX still certifies the collection. I have called XXXX, XXXX XXXX  ( card company ), and Portfolio recovery services ( collection company ) to dispute and no one seems to know who can remove this mark from my credit. I have also sent certified letters and all of my documentation ( attached ). I have now enlisted the services of an attorney as I am trying to acquire approval to purchase a home but this mark on my credit is helping to prohibit that.
Consumer complaint received 2022-08-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Recovery Specialists, Inc. (KS)

account recovery specialist ' are violating FCRA & FDCPA. They have yet to send out proper verification, validation, and illegally obtained and bought medical bills breaking HIPPA laws. Instead of validation and verification, itemization sheets were sent with DRS names and service rendered were listed.
Consumer complaint received 2019-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation (OK)

I have a loan with XXXX XXXX in XXXX OK. I have fallen behind because I got hurt at work and wasnt getting paid like Im supposed to. I called and told them my situation and asked what I can do about my late payment. She said theres nothing she can do. Whoever I spoke with at the time told me I have to give her a credit card number and exact date when they can charge it. I told her I couldnt do that because I really wasnt sure when I can make the payment. So she told me that she will have to call me everyday until I can pay or set up a payment. I told her I will just call the following friday because I will be working XXXX the next 4 days, but she kept on calling me everyday anyways. So friday came and I called them to let them know I still cant come up with the payment. Then another lady answered my call and told me that I can renew my loan and actually have a debt protection insurance Im paying for. So I went to their office the next day but when I got their they told me they actually cant renew my loan But instead they would do an extension but I have to pay {$3.00} in cash but all I had was {$4.00} in bank card. So I told her I will be back. I never got to go back coz when I  went to the bank I actually just have {$2.00}. Well then I didnt know what to tell them so I just didnt call them. The next day I was at work they were trying to call again. This time since I didnt answer they started calling my references, which is fine with me but then they started calling people that are not even on my reference. One was my sister in law, she said that when she called them and asked a lady name XXXX how she got her number, she told her she got it from a data base, it shows related people or something, then she also called an aunt from north carolina. But what I couldnt understand is how they called 2 people in california that dont have the same last name though they are my sister in laws sister and mother. They are people that I dont talk to.
Consumer complaint received 2023-07-18
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file are listed on my credit report 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 2019-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I always pay my account online with this particular company but this one time they notified me that the payment was received but then 30 days later i was notified that they never received the payment and that there was a 30 day late payment that was going to be put on my credit report. I have tried to fix the problem with the company because it was not my fault but they have not removed it for me.
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CO)

Hi, Here 's a little information about the account. My card was taken by my now ex husband which he used on his girlfriend. I set up monthly payment arrangement with them after he left and while I was going through my divorce. They told me I could no longer make the lower monthly payments anymore and I could not afford to pay the full monthly amount payments. The account was closed and charged off as a bad debt, then sold to a collection agency. I was served by this company to collect a debt. I tried on XX/XX/XXXX to contact this company ( XXXX XXXX XXXX ) in order to try and solve the debt they are collecting. I was answered with a message that this is a debt collection company. They would not accept my offer and I was told that my offer would be relayed to them and someone would call me back. I called back again on the XXXX of XXXX and I was told the message was relayed. No one has ever returned my calls. I appeared in court like I was told to and no one was there, I was taken to the clerks office, where I told I had to file a cross claim that day or they would have a judgement against me. I told them I was on public assistance in my claim and could not afford to pay them what they were asking. Because I can not afford an attorney, apparently I did not give them sufficient evidence for my claim. No one will call me back. How am I supposed to work anything out with them if no one ever calls me back. They have just added another derogatory remark to my credit score.  This is not right that they make no attempt to work with me, when I am trying to get this matter resolved. They just want to garnish my wages, make me pay attorneys fees and are unwilling to work with me at all! It is not right they treat people like this when you are actually trying to resolve the matter.
Consumer complaint received 2019-07-16
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: EQUIFAX, INC. (MS)

I have been dealing with identity theft on my credit report I have contacted all the creditors and the collection depts and I have sent certified mail to them all well also a ftc report of all the fraudulent activities on my report all the credit bureaus have removed all these items and hard inquiries EXCEPT EQUIFAX they are really giving me a hard time about removing these items off my report Company-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send something to Equifax
Consumer complaint received 2018-02-22
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: EQUIFAX, INC. (MI)

I submitted an inquiry with Equifax on XX/XX/2018. Case # XXXX. 

The inquiry was regarding a recent, sudden drop in my credit score reported by Equifax. This erroneous drop was alarming especially since my credit scores from XXXX and XXXX  had gone up a few points. My credit score reported by Equifax made a sudden drop of 39 points from XXXX to XXXX. I monitor my credit scores closely and this sudden drop prompted me to carefully review my credit report for potential fraud or changes. No information on my credit report had changed. No factors including how much money I owe, how long I've owed it, no new accounts, no recently closed accounts, no change in the number of accounts, no changed in payments, late payments, or missed payments, no recent hard inquires, no changes in types of credit accounts, no changes in derogatory remarks. My credit report had not changed at all since Equifax had reported my score prior to XX/XX/XXXX. 

In my inquiry, I asked them to investigate why there was a sudden, erroneous drop in my credit score. Equifax made no attempt to investigate. Instead I received a stock response email followed immediately by another email closing my case. Per that email, Equifax stated : " If this issue is not resolved to your satisfaction, you may reopen it within the next 5 days by responding to this email. '' I responded to the email the same day asking for them to investigate my account and my case. I was immediately sent sent another email closing my case. Again, Equifax state in the email : If this issue is not resolved to your satisfaction, you may reopen it within the next 5 days by responding to this email. ". I emailed them yet again asking for them to investigate. I have yet to receive a response. It has been 16 days from my last correspondence. 

Equifax made no attempt to investigate my inquiry.
Consumer complaint received 2019-07-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

XXXX XXXX Credit Card Services made an urgent request to Equifax and XXXX  Consumer Credit Bureaus in order to removed this account from my credit report since XX/XX/XXXX, I will attached the letter that was sent to Equifax and XXXX. This issue has not been resolve I have been calling Equifax and XXXX  since XX/XX/XXXX and they stated they have not received any letter or request
Consumer complaint received 2021-01-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.