davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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 (FL)

I originally paid a deposit of {$810.00} then the remaining amount of {$3200.00} on XXXX XXXX, XXXX to XXXX for a trip to XXXX and XXXX that was cancelled right before the trip was to begin the end of XXXX, XXXX due to the Corona virus. The money was held by XXXX and the trip was rescheduled to leave this XXXX XXXX XXXX, XXXX. In XXXX I was in contact with my agent at XXXX concerning a flight change when suddenly there was no reply from him. Phones were constantly ringing busy, no answer to calls, text, mail or e-mail. I was able to contact someone at XXXX who had booked the flights portion of this trip and he told me that XXXX had gone out of business on XX/XX/XXXX. He provided me with the travel partners in XXXX and XXXX who were supposed to continue with my reservations. From them I found out that there was no money paid to either of them by XXXX and I would have to pay in full a second time if I still wanted to go on this trip. I contacted my credit card company, Capitol One. At first they gave me a credit for {$3200.00} of the amount. A couple months later they rebilled me for this amount and wanted more documents. I have faxed, mailed and emailed them the same documents four times and now, many months later they are telling me they can not do anything because it has been too long. They want me to deal with the merchant. It is impossible to deal with a merchant who does respond to any form of contact. I was going on this trip with a friend from XXXX who paid the same amount I did and her credit card company was XXXX XXXX  and they refunded the {$3200.00} to her permanently. We both made our payments at the same time. I feel like Capitol One kept me sending documents for a long time so that they could say the time had been too long and they were not able to resolve my case.
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These credit inquiries that are on may report have been placed on a police report, but the credit bureaus still fail to remove them from my credit report. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-16
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: CREDIT ACCEPTANCE CORPORATION (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA ( Fair Credit Reporting Act15 U.S.C. 1681-1681x ), it should be removed. However, l have sent in continuous dispute letters obtaining all information needed to remove the inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is CRACCEPT/CAC. The Inquiry date is XXXX XXXX. The bureau reporting is TransUnion.
Consumer complaint received 2020-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC (TX)

I have been the victim of identity theft and had multiple accounts opened under my name without my consent including Harvard Collections ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX. I have previously provided FTC report documenting the fraudulent activities due to my identity theft and these companies haves failed to comply with FCRA reporting guidelines for Fraud/ID Theft.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX XXXX XXXX is my estate created by Iowa. 
I am very tired of this criminal syndication known as Transunion. Recieved more mail saying my dispute could not be verified. XXXX dispute? 
The dispute filed with CFPB still is process is a very serious issue and there is something very wrong.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one after many claims still has not sent me my money that belongs to me, they did a closeout check for XXXX cents when my account has XXXX XXXX dollars in the account. I don't see why you guys are saying there fraud when the check is in my name and was deposited to my account. Funds were accepted and then redeposited because the remitting bank wasn't allowed to get back the funds because it was outside capital ones allowable time frame. Now you guys here at Capital One are trying to keep my thousands of dollars and leave me on end with no answers and no info, here are the pictures that show u how much I had and the closeout amount of XXXX as well as my savings which were XXXX cents. I have yet to receive my check for the other amount of XXXX, I'm making a claim today to see if capital one can give me answers and when will I receive my check it's been months and months and nothing has came. Please respond accordingly I need my money capital one can bear a lost like this, but I can't, I need my money sent to me. Thank you again and hope to hear from you soon. My savings account says closeout by check and the checking just says closeout. Where's my check?
Consumer complaint received 2022-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

I have repeatedly asked Vance and Huffman, XXXX, XXXX and XXXX to validate this collection account. I have received any validation at all. Vance and Huffman is collecting for XXXX XXXX and I dont have any idea who XXXX XXXX XXXX other than another collection company. If this is the case who are these collection companies collecting for? I need to know what service I received from XXXX  XXXX and Vance and Huffman. I also, need proof such as signed agreements that I agreed to services from them. Is it legal for a third party company to collect for a third party company?
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I was surprise to realize that I have 1 " high Inquiry '' when I checked my XXXX XXXX account, this happened on XX/XX/2018 Apparently it was a Chase Bank U.S.A inquiry for a credit card, which was denied, and obviously my concern is that this can affect my credit score.
Consumer complaint received 2020-02-07
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: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX XXXX Late Payment XX/XX/XXXX / XXXX and XX/XX/XXXX XXXX Late Payment XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-10-19
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: JPMORGAN CHASE & CO. (NY)

please review the following accounts that appear on my credit report, without any authorization, do not belong to me. 

Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-10-19
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)

On XXXX I sent a letter to each of the credit bureaus because I bankruptcy on my credit report is not reporting 100 % accurately as it should be per the FCRA. Each of the bureaus sent a letter back saying they the information was correct and that they received the information from either XXXX XXXX or from my local court. On XX/XX/16 I sent another letter to each of the credit bureaus again stating that I had already contacted XXXX XXXX and had my account frozen months ago because of a personal matter and I provided them with proof that my XXXX XXXX account was frozen so they blatantly lied about verifying the accuracy of the information! I also contacted my local court to see if they could provide clarity and they said they had not sent any information to the credit bureaus. I also sent proof of this to each of the three bureaus. I sent my last communication to them certified mail to keep a track record, I'm also taking great notes of our communication. The FCRA states that the information that they are reporting should be 100 % accurate and verifiable. They have failed miserably to verify my information. They are only sending me canned responses as if they dont care about the information reporting wrong. I plan to take steps to sue EACH of them and thats why I'm taking notes and keeping records
Consumer complaint received 2018-04-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was denied a copy of my credit report due to a vehicle, I have no knowledge of. After I tried to pull my credit just last week I found that I was being sued for XXXX for a car wreck I am assuming. I tried to let the company know I have not filed a claim nor have I owned a vehicle in quite some time. I have purchased and sold cars but lease one never. Please help me get this rectified, it is keeping me from getting a job.
Consumer complaint received 2020-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST FINANCIAL BANCORP (IL)

XX/XX/XXXX - {$3.00} paper fee caused balance to go negative. 

XX/XX/XXXX - {$37.00} fee charged because of {$3.00} paper fee. Discussed over the phone that no more late fees would be charged as I transfer money to cover negative balance XX/XX/XXXX - additional {$37.00} fee charged because ACH transfer is not immediate, even after it was discussed the day prior that no more fees would be charged XX/XX/XXXX - banker noted a {$37.00} DAILY FEE will be applied due to negative balance, even though there is no way for me to expedite a money transfer
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

Received an email Synchrony Bank / Amazon Store Credit Card on XXXX  saying I missed a payment due XX/XX/XXXX. 

Called XXXX XXXX in email that stated Mail Payment to : Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX Went to my XXXX Account on Computer called their Customer Service # saying they received my payment and I was not late and that it was a scam. 

I almost mailed them XXXX  dollars. 

Please get these Fraudsters.
Consumer complaint received 2019-04-19
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: BBVA FINANCIAL CORPORATION (FL)

Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " Compass Bank multiple times everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card Number : XXXX XXXX XXXX XXXX. " Compass Bank '' is reporting a false missed payment on my report. I called " Compass Bank '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of Compass Bank and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. 

After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " Compass Bank again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " Compass Bank kept reversing my payments. 

The Creditor " Compass Bank is giving me a hard time, i am a single mother and this credit score is affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.
Consumer complaint received 2022-10-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (CO)

I received a bill in XX/XX/2022 stating that I owed XXXX XXXX dollars for equipment I had loaned to me from XXXX. So I called and asked if I return it. I talked to a XXXX, ( she said she was my support person ) she told me she would send me a shipping label, which she did. I packed it up and mailed it back. Well needless to say I received another bill about a month later stating I still owed the XXXX dollars. I don't understand why they get the modem back and the money.
Consumer complaint received 2021-02-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC (FL)

I have got many calls from Atlantic Recovery Solutions ( ARS ) staff IRA XXXX regarding a fake debt. I have communicated with both XXXX and XXXX. No such claimed " {$1200.00} transaction '' to another party ever occurred at XXXX, neither was XXXX rejected by XXXX. ( this was also claimed by Mr. XXXX that my banked notified me the return of ACH by XXXX in XXXX of XXXX ) I went to the bank in person and I got the transaction statements for the month of XXXX to XXXX. None of them have shown any rejected ACH. See attached XXXX statement not showing such transaction in the history and no ACH rejection in XXXX. See attached statement from XXXX for the month XXXX, XXXX, XXXX and XXXX. MR. XXXX claimed that my XXXX account was suspended due to the non-payment. I logged on without a problem. My XXXX account history shows no transactions since XXXX. 

When I called XXXX to report ARS, I found out that ARS is faking to be XXXX member using a fake certification # on their website. XXXX XXXX XXXX has confirmed in the email that they can not take actions towards their fraud debt collection due to the fact that ARS is not a member. Please see attached email communication.

When I called ARS to question their validation of debt process. The staff said they " bought '' debt from XXXX XXXX XXXX which is another made up company with fake phone #. See attached XXXX search of the company as well as their fake phone #. I have statements from both XXXX and XXXX to prove that they have fabricated this " debt '' And they illegally bought my SS #, DOB, old and new accurate address. I had to freeze my credit through XXXX XXXX. The staff, IRA XXXX, threaten to ruin my credit if I didnt pay at least {$800.00} by the end of day on XXXX. I would also like to file a complaint against the threat. I have serious doubt regarding this company being a legit company. I will bring this to XXXX and Attorney General. Thank you.
Consumer complaint received 2022-10-26
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. (TX)

I have new and updated information. Please see attachments. Failure to comply will result in a private right of action. The accounts related to the attachments are : XXXXXXXX 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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have been trying to get you to accurately report mortgage information for a year. You have continuously ignored my full payment of home insurance for XX/XX/XXXX to XX/XX/XXXX, you ignore my bank statement proving I paid it, you ignore the XXXX co reciept of payment for a year, you ignore the cancelation of escrow letters proving there is no escrow, and you have sided with the company repeatedly and unstoppably for a year. The XXXX loan never had an escrow, it was canceled prior to and after they purchased the debt. XXXX has NEVER provided you with proof of payment to my home insurance XXXX XXXX. But u always side with them. I have filed suit against them in state court and they have been served. I hope you will provide me with the evidence they used to affirm their inaccurate debt reporting. I hope its not just their word for it. You know I have subpoena power but that is costly and burdensome to me the victim of their illegal harmful conduct this last year. So please I beg you to help me find out what they gave you to repeatedly affirm the inaccurate debt. Please please please provide the evidence here. 

My complaint explains the inaccurate credit reporting for the last year. Cause XXXX
Consumer complaint received 2023-06-15
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: Amsher Collection Services, Inc. (FL)

15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from a alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION if this law because I am a victim of identify theft! Please deleted this IMMEDIATELY!
Consumer complaint received 2022-07-12
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (CA)

From XXXX  2022-XXXX  2022. They have been using different numbers and different companies in different areas of the United States from house loans, car loans, car insurances, credit cards, and banks and it is getting me very frustrated because no matter how many disputes I file it is not getting solved. I dont know who else to turn too.
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

10 years ago we bought a house from XXXX XXXX and our loan was processed by them.When we took this loan it was our understanding that it was a 5 year interest adjustable mortgage with the option to renew it at the same term for another 5 years. After the initial 10 year adjustable period our loan will be fully amortized for the remaining 20 years. We took this loan in XXXX, 2006, never miss a payment, and we were ready to see how much will our payment is if it were to be fully amortized for the remaining term but I was shocked when I received the statement from XXXX XXXX who got our loan from XXXX XXXX, that we still have the adjustable rate, and the only difference is they added the principal and escrow, and our rate is adjusting every six months based on the XXXX index rate. To me, this is unfair. It was not fully explained to us when we got this loan..now that we are retired we do n't know what to do. We ca n't qualify to refinance because of our bankruptcy and with our income now, we might not qualify. If only XXXX XXXX loan people explained it to us clearly 10 years we would n't be in this predicament now. We might lose the residence that we lived in the past ten years. I believe that this was a predatory loan designed to prey on elderly people like. I know we signed the papers but it such a thick volume of papers we had to go through, so we relied and trusted the loan officer, that she had our best interest at heart and that she gave us the best loan at that time. My husband is XXXX years old and I am XXXX years old, I do n't think there are still companies out there who would hire us just for us to save our home. What I really want is for our original lender to change the term of our loan and have a 30 year amortized loan so we could afford the payment and keep our home. Our loan is transferred to a new loan servicing company, Specialized Loan Servicing LLC. Thank you for your support.