davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
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: JPMORGAN CHASE & CO. (ID)

My son used my freedom card for battery replacement on the vehicle. He was overcharged XXXX for service and product. He attempted to resolve the problem with merchant including getting documentation but merchant refused. 
I opened a dispute online with chase. I dont know how to properly utilize the system and its overly complicated. 
My main language is XXXX  and he is helping with this complaint. He contacted Chase on XX/XX/XXXX and explained the issues with disputing charge. We requested any documentation in paper format and in XXXX. Chase has not responded and we dont know if they are even disputing the charge. 
Likewise, complaints thru the cfpb should allow for submitting and receiving correspondence in the manner that is more convenient for people. You dont know if people have limited XXXX proficiency or have limited XXXX  due to aging. 

Thanks
Consumer complaint received 2022-10-12
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 (MI)

I was on the phone today for an hour and a half on hold most of that time with The bank and when it was all said and done you still didnt resolve my issue. You tell me I need to write another letter and repeat everything that Ive already told you. I called about case number XXXX it was a dispute with home advisor that was rebill to my account its true youre very clear that that can happen Im just not sure how in the world it happened this time. The dispute basically revolves around them not showing up to do the service that I hired them to do you already have all the information yes I ordered the service I was told today on the phone that you receive documentation from the company the gentleman I spoke to on the phone and reviewed the documentation with me and I went ahead and logged in and looked at the documents myself the only thing that the documents are showing is that I ordered the service I was never disputing that part I was never disputing the fact that I ordered the service I did order it I ordered it I paid for it the part that Im stealing is the fact that they never showed up you clearly didnt dispute this correctly with all due respect I know all the stuff is probably complicated on your end but somethings not right the documentation received dont say anything about actually showing up and doing the service its all about booking the service I mean they show where I booked it and yes I booked you but you didnt Show up and perform the service
Consumer complaint received 2022-05-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paramount GR Holdings, LLC (OK)

I contracted with XXXX XXXX to have solar panels put in. They had this financed through GoodLeap for {$60000.00}. Good leap then automatically set up me a credit union account with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/2022. They even deposited {$5.00} into this account. Routing Number : XXXX. 

I already have 2 credit union and do not need another one. I called to have this account cancelled and was told that I would have to contact Goodleap and that I could not close this account. I have no mortgages or loans with XXXX. 
My Account Number with Goodleap is XXXX By phone : XXXX By email : XXXX By mail : GoodLeap XXXX XXXX XXXX  XXXX, OR XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

This is my fourth attempt to address the ongoing issue. Despite multiple requests, I have been consistently denied access to my personal credit report by EQUIFAX. They have refused to release any information regarding my credit history. Attached herewith are supporting documents, including a copy of the letter I sent to the credit bureau, along with copies of my personal identification.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (AZ)

On XX/XX/2022 I settled an account with Regional Acceptance third party collection agency XXXX. I spoke to Regional Acceptance to request them to update my credit report showing that the account has been settled. As of today it has been updated that I still owe a balance of XXXX after they agreed to settled for XXXX. I spoke to XXXX in the charge department who ensured me that they will fax me over proof that the descrepancy has been correct. As of today it has not and has caused me not to obtain a professional license. I would like the CFPB to investigate this matter with Regional Acceptance and their third party agency, XXXX.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Account shows it was opened on XXXX XXXX its showing as a charge off and its not the company agreed to remove off of my credit report due to fraud XX/XX/2021 and its still on my credit report!
Consumer complaint received 2022-05-19
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. (MI)

Account shows it was opened on XXXX XXXX its showing as a charge off and its not the company agreed to remove off of my credit report due to fraud XX/XX/2021 and its still on my credit report!
Consumer complaint received 2024-03-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

I am unaware of the debt with Midland Credit Management. I didn't get the opportunity to dispute this debt. I did not receive proper notification. If, in fact, you believe I got the proper notification, please provide the certified mail with the receipt, with my signature on it stating that I received it. Midland Credit Management didn't provide me with any proof that I asked for above because they never sent me anything through certified mail and they don't have my signature to prove that I received any proper notification from them. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute inaccurate information directly with the furnisher, but they have failed to investigate or correct the errors as required by law. If the furnisher can't provide the proof I asked for, they need to remove the negative account from the credit reporting agencies they report to. Anything less will result in legal action.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (IL)

I have a New Credit Inquiry on my credit report that I no nothing account. 

The hit is from : FACTUAL DATA. 

I monitor my credit report weekly. 

This hit showed up on XXXX and XXXX. 

I need your help to get this off my credit report. 

Thank you, XXXX
Consumer complaint received 2021-10-30
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: WELLS FARGO & COMPANY (SC)

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. WF BANK NA Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2020 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 6. XXXX Account Number : XXXX Please remove it from my credit report. 


I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2021-10-30
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: BARCLAYS BANK DELAWARE (AR)

I disputed the transaction because the guy who fixed my 75 inch guaranteed for at least a year and it stop working within the first week and then I brought back he said he will apply the guarantee and fix it for free and instead he broke the screen.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been with Capital One Bank a long time, and I have always appreciated the good value and service I have received from Capital One Bank. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would like to remain an active consumer of Capital One Bank and will be happy to do so as soon as we get this matter cleared up. Will you kindly send me? 
confirmation that this erroneous late payment has been corrected, updated to paid as agreed and deleted from my credit report. 
If you believe it's correct, I demand : The date whomever validated it was correct. 
The method used to validate this Billing error. 
The name of the person who received the permission to Validate this error. 
The documents used to determine this error. 

I would appreciate it if this matter were handled in a timely manner. 

XXXX XXXX XXXX ... XXXX
Consumer complaint received 2021-10-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX  2. XXXX/XXXX  Account Number : XXXX Please remove it from my credit report.

3. XXXX  Account Number : XXXX  Please remove it from my credit report.

4. XXXX  Account Number : XXXX Please remove it from my credit report.

5. XXXX/XXXX  Account Number : XXXX  Please remove it from my credit report.

6. XXXX/XXXX  Account Number : XXXX Please remove it from my credit report.

7. XXXX  XXXX  Account Number : XXXX Please remove it from my credit report.

8. PORTFOLIO RC Account Number : XXXX Please remove it from my credit report.

9. XXXX-XXXX XXXX  Account Number : XXXX  Please remove it from my credit report.

10. XXXX-XXXX XXXX Account Number : XXXX Please remove it from my credit report.

11. XXXX-XXXX XXXX  Account Number : XXXX  Please remove this inaccurate information from my credit report.

12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX 13. The following personal information is incorrect Account Number : CURRENT ADDRESS :XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  XXXX  15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX 18. XXXX/XXXX  XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-03
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. (FL)

I write to dispute the status of my XXXX XXXX XXXX XXXX XXXX credit card account which has been Closed BY Consumer requiring instantaneous and prompt mid cycle reporting as Closed By Consumer using the Metro 2 protocols for reporting Closed accounts. Since the account is inaccurately reported as OPEN, kindly investigate so that the account may be accurately reported as Closed By Consumer to avoid willful violations of the FCRA carrying {$1000.00} in statutory damages. Please send me an updated credit report by XXXX upon completion of your investigation.
Consumer complaint received 2021-10-30
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: Resurgent Capital Services L.P. (GA)

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX XXXX, GA XXXX 2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

9. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX, GA XXXX 13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX, GA XXXX 18. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, I reached out XXXX  to closed services towards credit building because the company advertised if used your credit score will now then increased. However, this wasn't the case. XXXX reported to the Credit agencies on XX/XX/XXXX when it was supposed to be reported on the XXXX of each month according to their policy also I haven't owed them {$40.00}. XXXX offered a self credit building option where you can use a safe credit credit building where consumers would have the option to automatically transfer funds from checkings to fulfill any amount owed if any balance accord. However I didn't have any balance owed because I transferred XXXX towards the beginning of that month. When XXXX reported to XXXX  my credit scored plummeted 48 points. XXXX never mentions consumers credit score have a chance of decreasing if used their services during reporting. I have called XXXX to close the account and requested to delete the account from XXXX and stop reporting from any other Credit Agencies such as XXXX  and Experian. Afterwards I dispute the information with XXXX XXXX. After disputing with XXXX  the account Still Remains on my credit report which doesn't give me accurate reporting not did the Credit Reporting Agency restored the 48 points that were lost despite telling them of my circumstances. After closing the account and no longer using their services XXXX still Goes forth with reporting to XXXX  and Experian despite if the account is no longer open several days, after.
Consumer complaint received 2024-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery is a debt collector they are trying to garnish my bank account and my assets I only get paid military XXXX that is my primary source of income and they are very well aware of that situation but yet keep threatening me to take me to court and garnish my wages I do not work my military XXXX is my only source of income. And I told the lady that that is my primary source of income that they can not touch it and she told me that's for the judge to decide
Consumer complaint received 2021-10-30
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. (CT)

Hi im filing this complaint because I have a bunch of inaccurate accounts on my credit report that I have tried to get all 3 bureaus ( transunion, XXXX and XXXX ) to remove according to The FCRA, FTC and FACTA but to no avail. I first sent out a dispute on XX/XX/2021 and have been sending letters every 30 days until now but they have yet to to what is mandated of them by law. These accounts are causing injury to me and my family and they need to be removed. I've tracked all correspondence with each bureau and I am also sending the letters on this complaint so that none can say that they dont know what I'm talking about. Each bureau is In Violation Now for either a Reaged account, activity after the account was closed, no Notice of dispute or just plain out refraining to fix and remove each account reporting false data. 
I need someone to please help me get these folk to delete these accounts that are obviously reporting inaccurately. 

P.s Ive attached some of the letters to each bureau so that the gross negligence of these companies/ bureaus may be seen.
Consumer complaint received 2020-02-11
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Designed Receivable Solutions, Inc. (CA)

Design Receivables solutions was asked to verify over 13 collection accounts that they were reporting on my credit report. I was trying to validate if the debt was correct, mine and if it should be included in my bankruptcy which was already discharged. When I requested validation they sent ALL my medical records attached to each of the reported debts as validation of debt. This is a clear violation of my HIPPA rights as I NEVER signed a HIPPA release form allowing any third party collection agency to have access to my medical records. As a violation of HIPPA they are required to stop reporting this debt. They have not and continue to send me copies of my personal medical records
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

My ex-girlfriend opened a credit card with me as an authorized user, not co-signer, allowed the account to go delinquent and close, and it is now negatively affecting my credit.
Consumer complaint received 2021-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 at Bank of America which is located at XXXX XXXX XXXX XXXX XXXX, TX XXXX, United States I deposited {$450.00} into an ATM at around XXXX. However, after depositing my cash the ATM monitor read XXXX deposited. I canceled my transaction the ( ATM also was delayed in response ) and after doing so it only gave me back {$20.00} out of the initial {$450.00} at XXXX the Bank opened and I told the manager of my situation and she said that ATMs were not operated by BoA. So I had to contact costumer service via phone they said they will credit me {$430.00} on XXXX XXXX and do an investigation. However, Im filing a report for a more thorough investigation.