davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MO)

I have a Macy 's credit card and I paid my outstanding balance on XX/XX/18 using my XXXX checking account, however, they keep charging me for original amount+past due because on their end they can not locate my payment. They called me multiple times regarding this issue and said that I did not pay my balance. After several conversations, I was able to talk with a XXXX and faxed my bank statement showing the full amount payment. In spite of all these actions, they refused that I made a payment.
Consumer complaint received 2022-08-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On my XXXX XXXX Credit Card Experian shows I am 60 days late making my payment. I made my XXXX payment XXXX payment as well as my upcoming XXXX payment. 
I disputed this with Experian then disputed their results sending them my XXXX XXXX Credit Card statement. It still has not been updated to show I am current on my payments
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

It seems that when I apply for American Express cards they only Approve me for cards with {$250.00} & {$550.00} annual fees. I currently have a American express gold card which has a {$250.00} annual fee. I spent way over a XXXX dollars in purchases using the card last month, however I did not receive the points I earned. I tried to apply for a different card that doesn't have a {$250.00} annual fee ... And they declined me for the exact same reasons they APPROVED me for. It doesn't make sense. I have a list of their cards that I have applied for ... And they only approve me for cards with annual fees. I believe this is extortion on American Express 's part. My credit is a lot better now then before when I had applied. I talked to someone in American Express Executive department and they sent my application for the other card under manual review. They initially said the reason for decline was because of too many inquiries on my credit. Well I did have a lot more inquiries on my credit when they approved me for the card with a {$250.00} annual fee. They also said my relationship with American Express is too short. Well that is false, I have been a card holder of American Express for 6 years. The application ID in question is # XXXX. Please review this with American Express. I believe American Express is seriously violated ( FCRA ) Fair Credit Report Act- under fairness. They are only approving me for cards with annual fees. Also I would like to know where the points are that I have earned.
Consumer complaint received 2022-08-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I'm a Veteran and I have a VA home loan, my original mortgage company sold my mortgage to Carrington Mortgage LLC. Carrington is now charging me {$77.00} more on my monthly mortgage than I was paying to the original company. Also, Carrington has not paid my tax bill, which is now defaulted. I called them months ago and they told me that everything was up to date and that they would be paying the tax bill, as that is what we had set up with our previous company. They also informed me that the mortgage was going up in price to " protect me '' from higher property taxes. I live in CA our property taxes are set and do not fluctuate. I would like this matter resolved so my property taxes do not default and I want to be reimbursed for the extra monthly charges. This company has been a nightmare to deal with, it's almost impossible to get ahold of a person and when you do, they consistently transfer you back and forth and do not give the same information, and they are very rude and demeaning.
Consumer complaint received 2022-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I realize I have hard inquries on my report that I did not approve of nor had any knowledge about the companies. Included are the following Capital One - XX/XX/XXXX Capital One - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Capital  One - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-01-03
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. (IN)

agency has a wrong address for me and will not change it. no sure where they got the address but they say it was from a creditor i said your wrong i have never had this address. i was assured that they got that address from a creditor so i said get my address from a current creditor they say they can not because they don't have my correct address.you can see the circle here and for this reason they have reported no credit on me since XX/XX/2012 and even that is incorrect.
Consumer complaint received 2020-02-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX XXXX ACCOUNT, THIS ACCOUNT IS A FRAUDULENT ACCOUNT, I HAVE SENT EVERY SINGLE DOCUMENT THEY HAVE REQUESTED, INCLUDING NOTARIZED DOCUMENTS. NOT REALLY SURE WHAT ELSE I CAN SEND THEM, I DON'T UNDERSTAND WHU I AM BEING DISCRIMINATED. EVERYTIME I CALL THEM THEY ASK ME TO SEND DOCUMENTS, I SEND THE DOCUMENTS BUT I NEVER RECEIVE ANY RESPND FROM THEM AS FAR AS THE DOCUMENTS THEY HAVE RECEIVED IS CORRECT OR IF ITS MISSING SOMETHING, OR THEY NEED SOMETHING ADDITIONAL SO WHY THEY CANT REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IN)

I just found out that XXXX XXXX somehow obtained the home and cell phones of my parents and have been repeatedly harassing them daily. It is extremely distressing to my elderly mother, and she wants it to stop immediately. What XXXX is doing is ILLEGAL under the FCRA, and if they do not cease the illegal calls to my outside family immediately, I will take legal action.
Consumer complaint received 2021-08-17
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)

On XXXX XXXX I mailed all three agencies ( XXXX, Transunion, And XXXX  ) and inaccuracies that I found on my consumer report. The items on my report are incorrect and are giving me a very hard time securing fair interest rates and business funding. Please notify these agencies to remove these items immediately. They are violating their own procedures and breaking federal law. I have asked these agencies and the creditors with whom the accounts are supposedly with to verify this information and they refuse to do so. This is blatant violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), which states you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Since they have refused to do so and to do so in a timely matter I demand these items be removed. There investigation and response has taken well over 60 days. They have severely decreased my ability to obtain fair rates and accounts. Thank you.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

I opened a court ordered custodial savings account for my daughter with JP Morgan Chase Bank. In XX/XX/2021, my daughter became of legal age to access the funds. Since which time I have been attempting to close the account. I visited the branch located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX on three occasions. I was told the documentation provided to me by my lawyer was not sufficient to close the account. However, the bankers could provide no guidance on what documentation was required. 

I went to court on XX/XX/2021 and obtained a signed court order requesting that the hold on the account be released and the account be closed. I provided this documentation to Chase. At which time, I was given no guidance on the process or the time-frame to close the account. It has been several weeks and no one at the branch can tell me when the funds in the amount of {$25000.00} will be released.
Consumer complaint received 2019-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (FL)

I have been in communication with regional acceptance corporation almost ever month to get an accurate statement and to find out what's going to interest and what to principle. I have spoke to XXXX XXXX XXXX in the XXXX office on several occasions and I feel like less of a person after being verbally abused by XXXX. I've asked several times for a principle and interest breakdown of my payments. Also I keep getting robo calls from this number in which I did not give permission XXXX regional acceptance on dates XXXX XXXX and XXXX at XXXX and XXXX. The principle amount has not dropped on XX/XX/2019 it will be 2 years of payments made.
Consumer complaint received 2022-08-27
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. (AZ)

The credit bureaus stated my account is as properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions.
Consumer complaint received 2022-08-27
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. (AZ)

The credit bureaus stated my account is as properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Notice numerous unauthorized or fraudulent inquiries and accounts on my credit report. XXXX XXXX XXXX attempting to purchase a home. Help
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-08-17
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: AFNI INC. (NC)

Early XX/XX/XXXX - I received a letter from a Collection Agency, XXXX claiming that I owed XXXX XXXX {$4500.00}. 

XX/XX/XXXX - I sent a certified letter to XXXX disputing the debt. I asked to see a signed contract and proof that the debt belonged to me. 
XX/XX/XXXX - My certified letter was received by XXXX. 

As of this complaint, I never received verification of the debt from XXXX or XXXX XXXX. 

XX/XX/XXXX - The debt was reported to all three credit bureaus as a collection. 

XX/XX/XXXX - I received a letter from XXXX XXXX XXXX XXXX XXXX Collection Agency. I disputed the debt with them and asked that they provide me with proof of debt. The XXXX stated that I needed to collect that from XXXX directly and they did not place the information on my reports. 

XX/XX/XXXX - I contacted XXXX XXXX to dispute the debt. The agent could not/would not provide me with a copy of the contract or any documentation to verify that the debt belongs to me. Instead, he directed me to contact the store where the transaction took place and wanted me to ask for security footage of who opened the account. 

XX/XX/XXXX - I contacted the XXXX store and asked the Representative to forward me a copy of the security camera footage to verify that it was not me. 
As of this complaint, I have never received any proof that this debt belongs to me.
Consumer complaint received 2020-09-16
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. (TN)

Hi! My two student loans that I have with XXXX XXXX XXXX are currently reporting incorrect information to all three credit bureaus ( Transunion, XXXX  & XXXX  ). On XX/XX/XXXX ; I took a settlement offer for {$7500.00} with XXXX but through their " sister company '' XXXX XXXX XXXX. That settlement agreement was to pay {$300.00} over a course of 24 months ; which I've been making monthly payments every month. 
XXXX XXXX XXXX is reporting my account as charged off, past due, & showing/reporting that I'm not making payments at all. XXXX still owns my account & is reporting this incorrect information monthly. I have disputed it with all three credit bureaus agencies ( Transunion, XXXX  & XXXX ) for the 3rd time as of XX/XX/XXXX with supporting documentation. If this comes back for a 3rd time, that XXXX states " information is correct '', the credit bureaus will be investigating it as " fraudulent reporting ''. I have contacted XXXX  on XX/XX/XXXX & spoke with a lady named XXXX, agent ID # XXXX ; she was very rude and made it very clear that XXXX would not report that information correctly. XXXX ( XXXX Employee ) admitted that they've received payments every month & my current balance showing is {$6700.00}. I explained to her that this was not right but she didn't care. 
I've been working with my financial advisor & mortgage lender ; they recommended reaching out to the Fair Credit Reporting Act because this is causing my credit report to look extremely bad & causing my credit score to be lower every month.

At this point, I need help getting this issue resolved and at least reporting the correct information.

Thanks!
Consumer complaint received 2019-01-10
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: EQUIFAX, INC. (NC)

I have thoroughly reviewed my report and have found fraudulent items located on my report. I have been a victim of fraud recently and believe this information is a result of the fraud. I need the fraudulent items blocked immediately!
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (VA)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 240 days ) and ( two dispute letters ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting BRANCH BANK & TRUST ( Opened XXXX. XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2019-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted the credit agencies with regards to several accounts that is reporting on my credit file that do not belong to me. These accounts are reporting as a result of identity theft. The following accounts below are reporting on the following credit agencies report.XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX and XXXXUnknown account - XXXX on XXXX
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 

They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 

I never had dispute or charge in my account. 

IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 
My email is XXXX I am waiting for more than 180 days. 

Please paypal i want get access to my money
Consumer complaint received 2022-08-27
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. (NV)

Starting from the date of XX/XX/2022 I sent investigation letters to credit bureaus. I requested to " investigate every piece of information '' of multiple accounts that I will list below. ACCOUNTS WERE REMOVED AND IMMEDIATELY PLACED BACK ON MY CREDIT REPORT, So I have also attached copy of tracking numbers from sent letters and copy of credit report. According to the FRCA 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. With that law being QUOTED, the bureaus stated that their investigation of accounts were verified, but how is that possible if there wasn't a proper investigation according to the law stated in above paragraph. And as a result, every piece of information on these accounts are not reporting one hundred percent accurately. FRCA 15 USC 1681 ( e ) STATES, EVERYTHING HAS TO BE ONE HUNDRED PERCENT ACCURATE. WHICH NEITHER OF ACCOUNTS, THAT WILL BE SEEN BELOW IN DOCUMENT UPLOAD SECTION IS NOT ACCURATE
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I have a credit card from XXXX XXXX XXXX XXXXXXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX Equifax, XXXX and XXXX XXXX XXXX XXXX  XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2023-10-15
Product: Credit 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: Block, Inc. (CA)

I have a charge on my XXXX XXXX for {$1500.00} on XX/XX/22 on my XXXX XXXX it was made processed by square merchant sales, I disputed this with the merchant the funds were refunded back to my XXXX XXXX, but the funds never arrived or dropped? Attached you will find the charge on my statement.
Consumer complaint received 2022-08-27
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. (OK)

In accordance with the Fair Credit Reporting Act - XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : 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 Consent
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On or about XX/XX/XXXX Transunion reported on my mortgage ( held by XXXX XXXX   ) that was part of a bankruptcy in XXXX. This was clearly illegal and harmful and caused me great distress. We are in the process of looking for a new home and need financing. Several days later the item was withdrawn and my credit score dropped 11 points. I received confirmation of this through XXXX XXXX. I sent a letter to the mortgage company ( XXXX XXXX ) who replied that I should call. I called them ( XXXX ) on this date XX/XX/XXXX and requested my credit score be fixed. Their reply was that it was Transunion 's fault for ignoring the suppression of this item and they would not fix it and it could not be fixed. Please help me with this as I am very upset.