davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to report the actions of the Credit Reporting Bureaus and XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal attempts to collect money from me after a charge-off has occurred 7 years ago. They are wrong for reporting and re-aging the account on my credit report that should have been removed but is still appearing past the due as of currently while containing falsified information which is damaging my credit score as it is currently showing as if I am failing to pay monthly and XXXX is updating every month as FP up until currently, XX/XX/2018. The account, closed for many years is showing false activity of 141 % utilization which is impacting my credit report in the worst possible way. The account has had absolutely no activity and has been closed and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605 ). XXXX  along with the Credit Reporting Bureaus allow the change of dates and balances to show it as active, that is incorrect. This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623 ). I have taken this case up with department store national bank and all three bureaus without resolution or change. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I disputed this account information starting XX/XX/XXXX- XX/XX/XXXX. The  account is aged and needs to be removed. It's been removed from XXXX but still remains on Equifax and XXXX.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

XX/XX/XXXX I deposit a cashier check for {$15000.00} I purchased the check from my Chase Branch myself with my ID and I purchased into my account and Chase said it was a fake check how if I purchase it from the bank they closed my account due to that saying they needed a receipt thats fine because I had one but no one asked for it so how was I supposed to know and I have remaining funds in my account they wont let me take out. I feel as though Im a XXXX XXXXXXXX woman I cant afford to have {$15000.00} but thats wrong because Im XXXX XXXX XXXX Im in XXXX I attend XXXX University at XXXX XXXX Im at XXXX I have to put down on a loan and a down payment for my car but I cant because they closed my account because they said the check was fake.
Consumer complaint received 2019-03-22
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. (CA)

I checked my credit score and was shocked at the amount of unknown fraudulent accounts that were showing on my report. I was not sure how my report was compromised, but after performing some investigation, I became aware of my information being involved in several credit bureau breaches. Additionally, there are a few addresses on my credit report that are not associated with me. I am not sure how these addresses and breaches may have affected my report, so I decided to contact the credit bureaus for a more thorough investigation. I have not heard a response as of yet.
Consumer complaint received 2018-12-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Social Finance, Inc. (MO)

On XX/XX/2018 I submitted for economic hardship forbearance, due to the amount I make monthly not being sufficient to pay the assigned monthly payments for my student loan. On XX/XX/2018 I was notified that my request was denied due to exceeding the maximum time limit allowed to request this type of forbearance, despite providing current proof of earnings. I have regularly been in contact with XXXX XXXX to discuss options and they have not and continue to not provide me with any other options for repayment or getting my account in good standing. On XX/XX/2018 I made a payment of {$850.00} to attempt to decrease the days delinquent and avoid negative reporting to credit agencies, per the suggestion of the representative via the phone. However on XX/XX/2018 I received notification from XXXX XXXX regarding a drastic reduction in my credit score. On XX/XX/2018 I contacted XXXX   regarding credit counseling and how to rectify my current situation. Unfortunately I have been provided little to no options as the result of the lender. Presently, I am receiving threats of default and further negative credit reporting despite continually contacts and pleas to provide other options that would allow me to pay a more suitable amount for my current income level.
Consumer complaint received 2023-03-24
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: DISCOVER BANK (IL)

I ordered shirt from XXXX XXXX {$95.00} They sent me the wrong size. I returned the item to XXXX and paid additional {$35.00} for mail. 

The company kept the returned item and never reimbursed me. 
Discover card did not accept my 8 pages of proof and documents showing that I did return the item and that the XXXX  initially sent me the wrong size. Discover card decided to side with the fraudulent XXXX company which has a history of reaping customers like me. I spoke at least 3 times with Discover agents who denied receiving my faxes and uploaded documents and finally decided to reward the fraudulent company instead of loyal customer like me that holds Discover card for 15 years and never missed a payment or rarely disputes.
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against Capital One Bank USA NA. Capital One Bank USA NA is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that Capital One Bank USA NA 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 Capital One Bank USA NA 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 Capital One Bank USA NA 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 Capital One Bank USA NA 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 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX and XXXX XXXX sent me a letter of notification that they had a major data breach and my personal information was stolen and compromised. I checked all 3 of my credit reports and I discovered 2 accounts on my credit report thats fraudulent, unauthorized and not mine. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX/XXXX XXXX, XX/XX/XXXX. These 2 fraudulent accounts are the result of the XXXX XXXX data breach announced on XX/XX/XXXX.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the items were erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (WA)

I made a purchase from XXXX and XXXX closed my account because XXXX told me that my account had been hacked and reopened after a week and then I made the same order again and this order was lost and I went through Customer Service and XXXX gave me a credit and then they bill my account that twice for the same item which was never delivered and I had to order again and XXXX charged my account again for this item and this item a camera was finely delivered almost a month late I have contacted XXXX on this matter a few times The problem started on XX/XX/2019 and has not been resolved to this day the XX/XX/2019 XX/XX/2019
Consumer complaint received 2019-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC. (FL)

Tried to dispute an item from Gold key credit from my credit bureau, they stated I have a balance of {$460.00}, asked them to provide me with evidence of my debt and they only send a statement, no signature, no contract. I faked this to be remove from my credit and they refused.
Consumer complaint received 2018-12-08
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. (MN)

XXXX XXXX and XXXX XXXX sent me a letter of notification that they had a major data breach and my personal information was stolen and compromised. I checked all 3 of my  credit reports and I discovered 2 accounts on my credit report thats fraudulent, unauthorized and not mine. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/XXXX. These 2 fraudulent accounts are the result of the XXXX XXXX data breach announced on XX/XX/XXXX.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a victim of identity theft I reported the event to law enforcement and to the credit bureaus I also contacted the companies to inform them of fraud and placed security freezes and fraud alerts on my credit file I also filed out a FTC IDENTITY THEFT REPORT I even provided them with exactly who committed the identity theft in my name and they claimed to do an investigation and formally declined the id theft claim I also received information from XXXX confirming identity theft from there identity theft protection program my information was sold during the XXXX data breach and accounts were opened in my name before I was 18 years of age which were removed off my report and even with all of this proof the bank refused to remove inaccurate information from my credit report all of the other banks complied and information was removed however the following banks wont remove information : Capital one Bank N.A XX/XX/XXXX Balance : XXXX Bank admitted on recorded phone call that account was fraud but fail to remove information they are fully aware that the account is fraud XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : XXXX Bank admitted on recorded phone call that account was fraud but fail to remove information they are fully aware that the account is fraud And are not in compliance with FCRA Regulations regarding time frame to provide feedback for identity theft related accounts XXXXXXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance : {$20.00} Lender wont respond to fraudulent account and continues to report
Consumer complaint received 2018-12-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA)

On XX/XX/2018. I sent {$2000.00} to XXXX through XXXX  to XXXX XXXX XXXX   powered by MoneyGram using my debit card. My relative in XXXX was not able to pick up the money due to some error on MoneyGram 's end. So the next day, I went to XXXX  located at XXXX, Washington on XX/XX/2018, to get a refund and try to send it again. I was able to get a cash refund which I sent it back immediately to the same location and person. Again the receiver was not able to pick up the money. So, I went to XXXX  located at XXXX, WA again on XX/XX/2018 to ask for a full refund. The agent at that location called MoneyGram to get a reference number so that they would refund my money back. This time the agent told me that MoneyGram claims that the money has been refunded. The agent was on the phone with MoneyGram for couple of hours. They refused to refund my money back. At the end of the conversation with MoneyGram on XX/XX/2018 that they said that they have to investigate and told me to call them back on Friday, XX/XX/2018. So, today, XX/XX/2018 I called MoneyGram back and they provided me with a reference number. So the very same day I went to XXXX  to get a refund but they couldn't refund it back to me. Again the agent at XXXX   was on the phone with the representative for MoneyGram. The representative told me that now the time for investigation is 90 days and they can not refund my money back. I have to work hard for my money. I am sending this money to my relatives so that they can have a joyful holiday. I need answers and I need my money back.
Consumer complaint received 2023-02-23
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. (NY)

The list of accounts below has violated my federally protected consumer rights to accurate reporting and right to privacy and confidentiality under 15 U.S.C. 1681. This section states I have the right to privacy. Furthermore, Section 604 A Section 2 of the same statute states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any adverse item of information that antedates the report by more than seven years. Additionally, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to have reasonable procedures in place to ensure that information they provide to third parties is accurate and up-to-date, as stated in 15 U.S.C. 1681s-2 ( A ) ( 1 ). Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) also states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 2019-03-22
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I don't know who Portfolio Recovery And Associates is, but I want them to stop calling me. They have called me late at night after XXXX XXXX. They have also recorded my phone calls without letting me know at the beginning of each call that the call was being recorded. I am requesting that they STOP CALLING and to communicate with my authorized representative only. Please also see the attached letter.
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I would like to report the actions of the Credit Reporting Bureaus and those of XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX XXXX  ( COLLECTION ACCT # XXXX ) to this complaint forum and request an investigation for their unlawful actions. A payment in full was made to this debt at least twice at this point at XXXX XXXX XXXX XXXX and then I received notice, past the 4 year mark, that the debt was going to result in a lawsuit if not paid immediately which, according to FDCPA law, is actually a violation of of section 811. I was scared and sent payment and as a result they re-aged the debt and and re-activated the account which was due to fall off in XX/XX/XXXX but it did not because one of these institutions changed the the XX/XX/XXXX date to XXXX XXXXalong with company name, information, balance without presenting a miranda to me. This item is supposed to be off of my report and is now actually 7 years and 1 month old. The bureaus allowed the name change, date change and re-reporting of old information without right and continue allowing the collection agencies to continue to report the account as delinquent, until now. A lawsuit is in motion at the XXXX XXXX Small Claims Court in XXXX XXXX   court District and I will add all three bureaus to the small claims court documentation if I do not see a removal of this account in 30 days. Please note that I believe I have escalated this fraudulent account enough and after mail, phone and online attempts were denied I am forced to seek legal and public help.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I opened Up a Huntington Checkings and Savings account because I needed an account to make check deposits, receive my deposits from work and pay my rent. On XX/XX/XXXX I went into the closest Huntington Branch and deposited a total of {$1300.00} into my checkings account to go towards 2 months of rent, on XX/XX/XXXX I attempted to into my mobile account but was unable to I called customer service and they said that my account was closed, I asked for what reason they said they could not disclose that over the phone and that I would receive a letter and the amount I deposited within 7-10 business days and that if I wanted my funds faster i would have to go to a branch and withdraw the money. I went the next day and they said that all the funds hadnt went through and to wait till Friday, so I came back Friday and they said the account was fully closed and there was nothing they could do. So I waited those amount of days no letter and check had came with in the remaining days, I called once again and they said to go to the branch to get the funds, that time over the phone they forwarded me to the collections department and they said that they left a note on my account for the bank tellers to see to give them the ok to hand me the funds. This was about 2 weeks ago from today the XXXX of XXXX. Yesterday the XXXX of XXXX go into my branch due to me having free time and I start the process of starting a withdrawal and I explained to the bank teller my situation he said again there was nothing he could do the account showed XXXX XXXX and it was closed. So I call customer service again and they transfer me to collections and I talked to a representative and was placed on hold, the representative then spoke back with me and said she was informed by someone over her that the check and closing letter was already mailed to me a while ago and I shouldve received it, I told her I didnt and she said well do we have the right address on file I said yes because Ive received other mail from yall including a bank statement for both accounts from XXXX. Yesterday was the last form of communication Ive had with Huntington and since nothing has been received and solved Im escalating the issue even more
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (FL)

Several Companies to include Experian, XXXX XXXX, and several others, make suggestions to apply for refinancing, or credit cards, or personal loans to help fix our financial situations ... .Then we take the advice and apply. Then we don't get approved, XXXX our credit scores up even more... .I think that is some XXXX practice by shady companies. Not only should everyone effected by those scams be compensated with actually being approved for whatever they applied for, those companies should be banned from reporting XXXX. Thing to credit beaureaus.