davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XXXX XXXX I sent letters regarding in accuracy and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute section 611 ( a is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts to be deleted immediately or I will file for litigation due to the XXXX  you calls me. My information was also impacted by the echo effect data breach and may have got into the hands of the wrong person.. 

I feel that these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and XXXX  XXXX XXXX  because to my knowledge. I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 50 days to receive no response because clearly you all are ignoring me. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ). It is plainly stated that XXXX to investigate these accounts within 30 days gives a reason to immediately remove these items from my credit report has been 50 days so they should deleted prompt
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Reading my credit report I noticed that there was a negative report, that one of my credit cards had been canceled. When I discussed this with a Menards supervisor she merely explained the policy, and that the account had a zero balance with no recent activity, and left me with no recourse. I would like this negative report removed from my credit report. I was given no prior notice before or after their act. The credit card was issued by Capital One. I filed a complaint with the attorney general and have waited for a response from Capital One since XXXX of this year.
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (CA)

To Whom This May Concern : This is the second time I file, I filed with my own personal bank XXXX  XXXX XXXX and informed them I was a victim of a scam. After a long winded detailed report informing my bank I was a victim of XXXX fraud they refused to return {$2800.00} dollars I was scammed of. 

COMPLAINT ID XXXX Now, I am reaching over to the bank whom actually received the money, handles the money of individual and has all the information of the individual whom actually stole the, money in the process of the fraud/scam and requesting the information of the actual individual so I can take proper legal procedure. 

I need all the proper information to take the individual to court : Full Name : DOB : Address : Driver 's License : Phone Number : Social Security Number : Essentially what I need is all the information the person had to submit to the bank in order to open a bank account.. 

I have wasted time, money and energy in this process along with pain and suffering, I asked for the {$2800.00} to be returned and has yet to be returned. I am not a lawyer by any means, but the time I have invested in my own case should be compensated in this case. 

I will remind the CFPB this is the propose of your existence, and I would like the money I was scammed out of back or if not the proper information so the person whom scammed me and others like is brought to justice.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX {$440.00}
Consumer complaint received 2020-12-15
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA (CT)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2018-02-02
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. (MD)

THROUGH THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX.IVE VIEWED MY CREDIT REPORT AND DISCOVERED MULTIPLE ADVERSE ACCOUNTS ( COLLECTIONS ) THAT DID NOT BELONG TO ME.ALL ADVERSE ACCOUNTS HAVE MISSING INFORMATION, DIFFRENT REPORTED DATES, AND INCOMPLETE.IVE DISPUTED THE ADVERSE ACCOUNTS MULTIPLE TIMES WITH ALL THREE CREDIT BUREAU 'S WITH NO SUCCESS. ( XXXX, XXXX, EXPERIAN ) .IVE ALSO REQUESTED PHYSICAL PROOF OF SUCH ACCOUNTS WITH NO SUCCESS.ACCORDING TO THE FCRA, THEY MUST PROVIDE ME PHYSICAL PROOF OF ACCOUNTS BEING DISPUTED, AS WELL AS THE ORIGINAL-SIGNED CONSUMER CONTRACT IN WITCH THE BUREAUS HAVE FAILED TO DO.IVE ALSO HAD ONE ACCOUNT REMOVED THEN RE-INSERTED WITH NO NOTICE.ALSO THEY HAVE 5 DAYS TO NOTIFY ME OF A RE-INSERTION AND DID NOT, BECAUSE OF THIS IT HAS BEEN VERY HARD OBTAIN CREDIT.SINCE THEN IVE RECIEVED MULTIPLE HARRASSING CALLS FROM DIFFRENT CREDITORS THREATNING PUNISHMENT. 

OPEN DATE-XX/XX/XXXX-AMOUNT {$350.00} OPEN DATE-XX/XX/XXXX-AMOUNT {$610.00} OPEN DATE-XX/XX/XXXX-AMOUNT $ XXXX- ( RE-INSERTED )
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. 
I have had a freeze on my reports since XX/XX/XXXX. 
This company had no authority to pull my credit-I had no account with them, no business relationship, I did not apply for credit etc. 
They should have not been able to gain access to my report. 
This keeps happening despite the freeze being placed long ago and yet every time I call TU they refuse to do anything about it or to investigate.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

The card was turned down at a movie theatre on XX/XX/22. I called the number on back of the card and the recording said the card was invalid. I went online several times on XX/XX/22 to enter the card information and the prompt said the system was experiencing problems several times and to try again later. I called the numbers listed on the Vanilla Gift Card and they were both incorrect. One number was a XXXX company and the other was a XXXX XXXX XXXX company that said I needed to listen to their offer first before assistance and when I questioned them they hung up on me. Impossible to get live person assistance after trying numerous times. Please help me in what appears to be a dishonest company.
Consumer complaint received 2020-12-15
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 (NC)

In XX/XX/2020 & XX/XX/2020 CAPITAL ONE added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, CAPITAL ONE has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have dispute XXXX XXXX XXXX accounts on my credit report XXXX times, twice via online, and twice via mail. Each time I have submitted a receipt from the creditor showing that the accounts are paid in full and are to be removed from my reported. Transunion continues to say that the accounts are active collections despite documentation.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (AL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NY)

This is my second time filing a complaint regarding my Chase Credit Card. My prior complaint reference number is XXXX filed on XX/XX/XXXX. 

In my prior complaint, I explained that I was seeking a lump sum settlement of the balance owed on my account with Chase. Chase responded stating that they had offered me a 10 % reduction in the balance owed. At the time this settlement offer was not affordable to me and I counteroffered to an amount I could afford - which was declined. 

Since my last complaint in XXXX, my husband is still unemployed due to COVID-19 and the business does not plan on reopening. My husband and I are trying to be proactive to resolve our outstanding debts to manage our finances on one income. As part of the CAREs act, I was able to obtain a large disbursement from my XXXX to try to help my family manage our finances. I made this decision to take the disbursement from my XXXX based on the information that was previously provided by Chase - that they would settle the balance for a 10 % reduction. 

Today, XX/XX/XXXX I contacted Chase again to request the 10 % balance reduction that was offered in XXXX by Chase to resolve the remaining balance owed. I was told that my account was not eligible. The representative I spoke with had a representative number of XXXX. She stated that based on my 'excellent ' payment history, my account was not eligible. I attempted to point out to her that the card is nearly maxed out and that I had been making the minimum payment for the past year - with no end in sight. In addition, the balance of the account went over my limit in XXXX, XXXX. Her suggestion was to call back in XX/XX/XXXX days to see if the status had changed. When I explained that I was previously offered a settlement on the account, she indicated that the status of the account changes. I was also informed that the settlement offer most likely would not be accepted unless the account was past due. 

I made informed decisions based on the information that Chase provided me in XXXX. Specifically, that they would settle the balance owed on my account for a 10 % reduction. After this sustained hardship, I decided to take a large disbursement from my XXXX - knowing that I would be able to resolve the balance owed on this account for less that what I owed. This pandemic has severally affected my family and I needed to make this disbursement go as far as possible. I believe that the actions taken by Chase are unfair, deceptive and abusive. 

I like many consumers am facing a sever financial hardship, I am trying to resolve this debt to the best of my abilities. Chase is forcing me to make the account delinquent, thus damaging my credit, just in hopes that they can get a full payout on the account. These actions are extremely abusive to consumers in dire need of aid.
Consumer complaint received 2017-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (AZ)

We have submitted a complaint for this issue previously but we were told they were n't calling our main number that I listed. The company made no effort to contact us to determine what number was being called. Now I have listed the numbers for our office. This place KEEPS calling over & over for someone that does not work here! I stay on the line EVERY SINGLE TIME so that I can tell the person to remove our number, they kindly say they will and then never do! Today I called Gila Corp and a lady by the name of XXXX picked up to help me, the second I told her I had previously filed a complaint with the CFPB she instantly hung up on me, what great service huh? This company is absolutely HORRIBLE and will not stop calling our place of business.
Consumer complaint received 2022-07-21
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. (VA)

On XX/XX/2022, I sent Transunion a dispute letter, via USPS certified mail, disputing fraudulent accounts/information, that was a result of identity theft. Despite sending the dispute letter, providing proof, and requesting that all fraudulent accounts/inaccurate information be removed from my credit report, in accordance with the Fair Credit Reporting Act 's guidelines, Transunion has refused to remove the aforementioned accounts/information, and has instead verified accounts/information, that is the result of identity theft, as accurate. The fraudulent accounts, which were not opened by me, are XXXXXXXX XXXX ( XXXX accounts ), XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX There were also fraudulent charges made to existing accounts, which caused, fraudulent delinquencies. These accounts include XXXX XXXXXXXX XXXX ( XXXX accounts ), XXXX XXXXXXXX XXXX  ( XXXX accounts ) and the XXXX XXXX XXXX  It has been 50 days and Transunion refuses to resolve this issue. FCRA states that any account that can not be verified and that is fraudulent must be deleted. Transunions willful neglect of the wrong information on my credit report is not only damaging my ability to acquire credit, but is a violation of FCRA. These accounts need to be deleted or I am fully prepared these take matters to the court, retain counsel and sue for the states maximum for each violation of FCRA.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (NC)

Was contacted by Credence Resource Management in XX/XX/XXXX regarding a debt collection from XXXX for the amount of XXXX. Informed agency that the debt was settled for a lesser amount in XX/XX/XXXX and I believe that the debt is not valid. Filed multiple disputes with the company and the company repeatedly denied the dispute is valid. I have contacted XXXX and XXXX XXXX XXXX to resolve this matter. XXXX XXXX XXXX has communicated with them that the account is settled and to stop trying to collect on this account. XXXX XXXX XXXX has sent documentation on XX/XX/XXXX stating the account was settled. Credence has repeatedly ignored XXXX XXXX XXXX. XXXX XXXX XXXX has sent a cease and desist letter to get them to stop and that has not happened yet. They have continuously call, including calling my mother 's phone. Now Credence is emailing me saying the debt is valid.
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NJ)

XXXX /Southwest Credit System reported a debt of {$300.00} owed to XXXX XXXX and XXXX. The debt is not owed by me. I have no knowlege of such debt. XXXX/Southwest Credit system failed to contact me prior to putting this on my credit reports. As such, it has failed to follow the Fair Credit Reporting Guidelines. Please delete it from my credit files,
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX Midland Credit Management Acct # XXXX Midland Credit Management Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX The following debt collection agencies are trying to collect on debt amounts on accounts sold to them by XXXX XXXX. XXXX XXXX  illegally and knowingly over inflated interest rates on its credit card holders. This resulted in a class action lawsuit filed by XXXX XXXX XXXX. All of the accounts from midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. XXXX contain accounts purchased from XXXXXXXX XXXX that are subject to the litigation brought against XXXX XXXX. I am requesting these accounts be removed from my credit account due incorrect amounts that were over inflated illegally by XXXX XXXX I feel no debt collector should be able to slander my credit report over these illegally created debt amounts. Please remove or face legal action.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently contacted BOA regarding a charge for a purchase I dis not make. 
BOA has found the charge fraudulent and credited my account for the {$75.00}. 
However I was forced to surrender my card and account for a new card and account with a 50 % interest rate increase. 
my credit score is near 800.
Consumer complaint received 2019-03-19
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. (OH)

In XX/XX/XXXX, my husband and I, applied for a mortgage through XXXX XXXX in XXXX OH ( offices in XXXX and other towns too ), but on our report it shows XXXX XXXX. 

That isn't the issue. 

The issue is that in XX/XX/XXXX, our credit was ran again without our consent. 

The companies ' headquarters in XXXX has the XXXX, OH office delete all of our information, but this unapproved inquiry is still showing. The person in XXXX, OH that ran our credit was XXXX XXXX, and again, this was NOT authorized. 

This man became hostile, rude, and belligerent toward our XXXX XXXX when we ask about this ; and that is when we contacted the main office and asked for him to stop.
Consumer complaint received 2020-01-30
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. (DC)

I already reached out to Equifax and to XXXX XXXX XXXX and notify them of their error posting of information on my report. The account is truly wrong. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persist on my credit report.
Consumer complaint received 2018-04-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A. (CA)

On XX/XX/2018 my agent entered my local Citibank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to deposit a promissory not with the value of {$10000.00}, to be divided as follows ; {$10000.00} to be credited to my account with that branch, as well as {$500.00} in cash or federal reserve notes. The person i spoke with accepted the promissory note, implied that he understood the conversation was being recorded, and expressed his understanding of the debt created by his acceptance of the promissory note as a representative of THE BANK. the MANAGER of the bank was standing there between us participating in the conversation. SHE ( XXXX ) admitted that she had made multiple mistakes during the conversation, including calling themselves representatives of the bank, instead of employees of THE BANK. 

The teller ( XXXX ) accepted the promissory note, from my hand to his, and said the words " I'll accept this promissory '' and " the funds will be credited to your account tomorrow morning '', but the funds were never credited to my account, and no cash was supplied as had been ordered with the deposit slip. 

These underhanded business practices by THE BANK and " it's representatives '' has eroded my faith in the Federal Reserve Banking System in its entirety. Please see that the bank honors the promissory note that IT has already accepted as well as any future promissory notes I will be depositing.  thank you and have a blessed day, XXXX XXXX
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (FL)

I AM A VICTEM OF EQUIFX DATA BREACH & MY INFORMATION WAS ON THE BLACK WEB SINCE THERE HAVE BEEN UNAUTHERIZED INQUIRES & ACCOUNTS I SENT THIS INFO TO ALL 3 BEREAUS FOR DELETION MULTIPLE TIMES