davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
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: AMERICAN EXPRESS COMPANY (PA)

Hi I am using American Express Serve Card. I use it to get my direct deposits as well as purchases. Quite a few times I have noticed that things didn't add up as far as when I returned something me seeing the money added back to my card. The times that I call a rep just more so made it seem that I overlooked the return. Most recently I brought two things online on at XXXX for {$14.00} and XXXX XXXX for XXXX the money was deducted on out my account and place on hold pending the shipping. I also around the same time return an item at XXXX for XXXX and another for around {$20.00}. Because I notice a few time that I felt they were not properly returning my money. I transferred majority of my money into my saving to monitor the returns. Well now I have a negative on my account for XXXX. I called the and they told me that they took the hold off of the XXXX and XXXX XXXX and that the money went back to my account. And that when both items shipped they authorized my account again. I stated that was not the case I then told them that the only money that went back to my account was from the store return and requested to speak to the dispute department. After being on hold for like 20 mins and then the rep told me that the dispute dept refused to take my calling stating that the account was accurate. I don't agree! Please help me ...
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX,2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-03-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have inaccurate accounts, and unauthorized inquiries.
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: QC HOLDINGS INC (MO)

On XX/XX/2021 I applied for a person family household credit with lend nation. I was denied unlawfully. I received an adverse action from lend nation via email which 15 US CODE 1691 ( c ) tell you exactly what a adverse action is and how it is against federal law to proclaim an adverse action against a consumer.
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NC)

I was a victim of a scam. On XX/XX/2023 I became a victim of a loan scam. It was a company that was online, that was fraudulent. They were able to hack into my bank account and started reversing transactions, including my rent. I was then threatened to go to XXXX and send them {$1500.00} via XXXX transaction I I was told that if I did not do that, they would make it so that no bank or any other lender would ever borrow to me again because they could make it look like I was the one filing claims and reversing payments to all my monthly bills. When I went to XXXX to send the funds via debit card to my bank, which is JP Morgan, Chase, I called the bank immediately to report this. They assured me on the phone that they would stop all this, and that I would not be responsible for the money I lost. Now XXXX days later Im told from Chase Bank that its my fault that I was the one that sent this money voluntarily and that there was nothing else that they could do. I now am negative in my checking account of over {$1300.00}. After XXXX  years of banking with JP Morgan, Chase they are not helping me in this matter. I have filed a complaint with the XXXX XXXX XXXX and also filed a police report. They are still not helping me I am now worried about facing eviction and I have nowhere to go I know where to find an extra {$1300.00} because I live paycheck to paycheck.Please help. I have all the fake loan documents, and even contacted the company where they were informed that this person was using their letterhead fraudulently
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

After years and multiple complaints this problems continues to be a mainstay of this bank! The retail account XXXX XXXX XXXX.I have tried to make a payment through your automated attendant which I believe purposely does not function of work since your able to collect late fees and charges and negate any special financing. Extensive wait times or please call back later the norm. By opinion I have no alternative but to find this a ruse that has continued ever sine I obtained my account and even though you profess your " working on the problem : it has not been repaired.. My payment was {$29.00} and now is. {$81.00} and I suspect a late fee. Account number - XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation (MO)

I have a loan with HEIGHTS FIN with account number XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2020. The XXXX and Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am AGAIN requesting that you conduct an investigation as outlined in the FCRA Section 623. I am again requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with any corresponding local state laws. 
I recently filed a dispute in with the CFPB on XX/XX/XXXX regarding this matter. I received a response back from XXXX XXXX. Per my request she failed to provide me with a copy of viable evidence, showing that the account is being reported accurately. 
Upon obtaining my credit reports again after her response, I still have several inaccuracies being reported across the three credit bureaus. This is direct violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ] XXXX states in her letter to me that the said account was charged off on XX/XX/XXXX. She also confirmed that I settled the account on XX/XX/XXXX but it did not post until XX/XX/XXXX. She did not address the issues that I have mentioned regarding the inaccuracies being reported across all credit bureaus. The investigation I requested per her response was never conducted, another violation. 
XXXX. The following are being reported as follows Date of last activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : none reported Late Reporting : Date XXXX XXXX   XXXX XX/XX/XXXX 60days 30days ND XX/XX/XXXX 90days 60 days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 120days 90days ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND Per Sarahs response if the account was paid in XX/XX/XXXX, how are you reporting FP for XX/XX/XXXX with XXXX? 

Im attaching proof of all my findings by providing copies of my credit reports across the bureaus. If you are not willing to provide me with some sort of proof to validate these reportings, I ask kindly that you delete or suppress this credit reporting due to the direct violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Consumer complaint received 2022-02-21
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: Experian Information Solutions Inc. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX AT XXXX XXXX XXXX Account Number : XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws? 
Remove this collection at once! I have given the Bureaus ample time to correct this. Over 90 days is too long! Obviously, if it hasn't been proven it is FALSE!
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CHOICE CAPITAL FUND (TN)

I received a loan from this company XXXX weeks ago and have since been trying to call them for the last 6 days about revoking their right to ach debit my checking account. The phone just goes to music and I sit there forever and noone ever answers or the phone disconnects. Its happened 10 to 15 times. I have also sent an email ... ... No answer as of yet. I was told this company was operating illegally in Tennessee. I want this company to contact me immediately. Thank u.
Consumer complaint received 2022-02-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been having an Issue with an inaccurately reported item on my credit report. XXXX XXXX where my father used my information his daughter to illegally purchase a recreational vehicle without my knowledge. This company has been served with legal documents to delete this item from my credit report and as of one year nothing has been done. The name of the company is XXXX XXXX.
Consumer complaint received 2024-02-13
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. (MS)

I am highly upset and very stressed by the many times I have reached out to the credit reporting agencies to fix the issues on my consumer report letting them know these inaccurate items are not mines. I have been XXXX  and suffered so much pain due to these inaccurate items being on my report not being able to get basic living needs for me and my family. This a serious matter and threat to me and my family. I need these accounts that are not mines to be deleted from my credit report as soon as possible. I did my research on the laws and in section 1611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately delete them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my notarized letter attached I am demanding them to be deleted immediately or the reporting agency will force me to file for litigation due to the stress it has caused me. I am authorizing this investigation this is not a third party company.
Consumer complaint received 2024-02-13
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. (OH)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or DELETE the following accounts : 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 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. ()

Iv declared attempts of fraud on my credit file to Equifax to have them removed from my report as " inquiries '' and 1 year later still present on my reports. 
So i try to call costomer service to make a complaint and i never get through to a representative, Everytime i attempt to re open my credit report file the password no longer fonctional and i have to reset it and keep having to enter my personal information online to regain access, and sure enough, the very next time i use the same password its " incorrect " And i can never get any help for a service that i have paid for! XXXX $ a month in the trash gor years!
Consumer complaint received 2021-07-24
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: Specialized Loan Servicing Holdings LLC (FL)

XXXX XXXX XXXX  transferred ownership of my Home Equity Loan to Specialized Loan Servicing ( SLS ) effective XX/XX/XXXX. I have always paid this loan on time. However, SLS has now reported a payment delinquent over 30 days to XXXX, XXXX, and XXXX. SLS made these reports and knew that their records were incorrect. SLS claims that the XX/XX/XXXX payment is in question. SLS has attempted to confirm that I made the XX/XX/XXXX payment to XXXX XXXX XXXX  before they started servicing the loan. I have sent SLS documentation ( bank statement ) that clearly shows that the payment was made. I have had several conversations with SLS without any resolution or any concern that they are negligently damaging my credit report. Even with full knowledge and documentation, SLS has reported that my XX/XX/XXXX payment was over 30 days late because they are showing me constantly late. I filed a dispute with XXXX, but SLS apparently still claims that my payments were late. I am attaching several letters from XXXX XXXX XXXX  and SLS concerning the transfer of ownership, the SLS online record of my payment history with them ( notice how incorrect it is ), and 18 months of bank statements documenting my payments on this mortgage. My credit score with XXXX alone has dropped from XXXX to XXXX as a result of their negligent actions. SLS is knowingly and willingly reporting me as having made a late payment because they have an unresolved dispute with XXXX XXXX XXXX. That is a problem SLS has with XXXX XXXX XXXX, not me. SLS should not be permitted to make such reports.
Consumer complaint received 2024-02-13
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. (SC)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XX/XX/2023.
Consumer complaint received 2019-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I am the owner of a savings/checking account @ Capital One bank. On XX/XX/2019, I received a domestic wire to my account.. The sender of the wire went to her bank 3 weeks later and claimed that she was frauded out of the money, so this in turn caused my bank to freeze my account. The sender of the money cease communicating with me after this happened, refusing to answer any of my or my bank 's phone calls and she refusing to come back to her bank and disclose that she made a fraudulent report. All of this occurred over 3 months ago .I have been calling my bank every couple weeks to check the status of the hold on my account, I am told by my bank that they are still waiting on some kind of " hold harmless " paperwork from the sender 's bank which they are telling me they have up to 3 years to wait for this information. In the meantime, the questionable fraudulent wire funds has not been returned to the sender, still l in my account and the bank has held all the funds in my accounts minus XXXX they allowed me to withdraw back in XXXX with this occurred.
Consumer complaint received 2019-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery has failed more than 3 times to provide me with the original instrument of indeptedness is its original form. i have contacted them repeatedly but all i received was a generic answer using their e oscar and not the proper documentation.
Consumer complaint received 2024-02-13
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXXXXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-13
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.