davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OK)

I am trying to get in contact with SageStream , LLC to place a security freeze on my credit report but they will not return my calls nor answer their phones. I have left a voicemail the past three days and they state that they will get back to you within one business day but they just are not doing it. There call goes straight to voicemail every-time like they do not return your calls to begin with and I do not believe that they are busy every single day that I call in so they are just refusing to answer phone calls from consumers. This credit reporting agency that is not well known is basically hidden like they do not want us to know about them. This needs to be looked into. Apparently XXXX, XXXX, and XXXX are not the only ones. Please look into this as I have read nothing but complaint after complaint, after complaint about SageStream , LLC. I want my credit report frozen through them. They need to add this feature online that way we are able to do it ourselves without having to call in.
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Complainant ordered a XXXX XXXX from XXXX XXXX on XXXX/XXXX/XXXX using a Capital One VISA credit card, paid via XXXX. Computer arrived in a non-working condition. Returned the computer on XXXX/XXXX/XXXX. After 30 days, Capital One credit card had not been credited for returned item. Complainant opened a dispute with credit card issuer Capital One. On XXXX/XXXX/XXXX, Capital One denied the dispute chargeback because purchase involved XXXX, in violation of the United States Fair Credit Billing Act, 15 USC 1601 Section 170.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/23 I noticed unauthorized withdrawals from my CHASE checking and savings account in Michigan ( I live in NY ). these occurred on XX/XX/23 & XX/XX/23. When I reported it I asked why I was not notified of unusual withdrawals ( over 10 cash machine withdrawals a day over 2 days at different locations as well as fraudulent XXXX XXXX  purchases ) they claimed a verification was sent by text, i asked what phone # and it was not my #. when i looked the phone # up it was a Michigan # that had since been disconnected. the bank told me that the # had been added to my account days prior to the theft. 
CHASE bank has " tentatively '' ( pending investigation ) returned my checking money ( {$1000.00} ) but has Denied the money taken from my savings account ( {$2100.00} ). 
my wife and I rarely ever use a cash machine and never use our debit cards.
Consumer complaint received 2019-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One restricted my credit card account -- without warning -- due to inactivity. They will close it in 4 months ' time. The card had a large credit limit, with XXXX balance due, and I would have used the card to prevent having the account closed. This will be a negative hit on my credit score, which I have worked to maintain at the highest level. 

I had the card for over a decade. I stopped using it regularly because other cards became available with much better travel and rewards incentives. Perhaps Capital One should have considered alternatives to sustain my use of their product. 

I understand that Capital One wasn't making money off my account. Still, customers should have an opportunity to take steps to protect themselves. Capital One agreed to a credit limit, and I utilized it. Agreements work both ways. 

There is not a single word in the agreement that the account can be closed due to inactivity.
Consumer complaint received 2024-01-28
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC (CA)

They are not refunding my account and they are taking money from my available amount. They charging me to much. I ask they to check with there accountant because its not adding up. I have statements from when they issued the card and my purchases. I hadnt make big purchases but they subtracting from my balance. I dont see
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove inaccurate, unverifiable, unauthorized information on my credit report XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX Opened:XXXX Balance : {$180.00} XXXX. ) XXXX XXXX Opened:XXXX Balance : {$840.00} XXXX. ) XXXX XXXX XXXX OpenedXXXX Balance : {$1200.00} XXXX. ) XXXX  XXXX XXXX Opened:XXXX Balance : {$1100.00} XXXX. ) XXXX XXXX XXXX Opened:XXXX Balance : {$450.00} XXXX ) XXXX XXXX OpenedXXXX Balance : {$8600.00}
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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.

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (VA)

To : USCB America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX USCB America with address above, is trying to collect {$100.00} plus interests from on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX. This bill was paid and collected by XXXX XXXX for a XXXX XXXX service made in XX/XX/2022. 

Attached is XXXX bill in the amount of XXXX and copy of the payment transaction collected by XXXX XXXX. 

USCB America must stop and cease any collection efforts immediately for this bill previously owed and already paid to XXXX XXXX.
Consumer complaint received 2019-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (DC)

My business partner and I opened a Chase Total Business Checking account on XX/XX/2018 with {$200.00} in cash. We subsequently deposited a {$10000.00} check in late XXXX from our first contract. Without warning, our account was closed. We immediately went into the Chase location where we opened the account and were informed that the account was closed for " Suspected Fraudulent Activity '' which after further discussion was revealed to be the addition of a comma in the name of our business on the check we deposited. ( Our official name is XXXX XXXX XXXX. The check was made out to XXXX XXXX, XXXX. ) We were told that the initial {$200.00} cash deposit would be returned to us via check. It was. We were also told that the {$10000.00} check was not cashed, and so our client would need to stop payment and reissue the check to us. However, when our client went to do so, it was discovered that the {$10000.00} check was cashed by Chase. 

We have tried multiple times over eight months to resolve this issue, however we end up on hold with Chase for hours at a time. They have not responded to our numerous attempts to rectify the issue.
Consumer complaint received 2019-06-30
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: Navient Solutions, LLC. (AZ)

In XX/XX/2019 I received an alert from the credit bureaus that a collection was placed on my credit by a company called General Revenue Corp, XXXX XXXX XXXX XXXX, Ohio XXXX ,XXXX for a XXXX balance at a school called University of XXXX . I contacted the University on XX/XX/XXXX and they informed me that it was indeed an error and that they have instructed the company General revenue to delete it with all three credit agencies. It has not been removed despite disputing it myself with all three agencies, XXXX, XXXX and XXXX it is repeatedly verified. I have contacted General Revenue who continues to inform me, both On XX/XX/XXXX and XX/XX/XXXX that they will be deleting it but it remains verified. I spoke to them again today XX/XX/XXXX and it is Sunday so they told me to call back again tomorrow. I have proof in writing from University of XXXX that they have requested removal dated XX/XX/2019.
Consumer complaint received 2019-06-30
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: Experian Information Solutions Inc. (NC)

After several attempts to XXXX, XXXX, and Experian to remove these fraudulent addresses they still havent done so for years now! these are the following fraudulent addresses as follows : XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2019-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This debt was included in my bankruptcy case- They keep saying no, but the courts allow you to add additonal debt when you file bankruptcy- Portfolio Recovery removed this collection from XXXX XXXX off my credit then placed it back on there one year later. They can not prove it was not included in bankruptcy, however they will not remove off my credit.
Consumer complaint received 2019-06-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Home Loan Center, Inc. (VA)

Was approved for {$2000.00} dollars didn't receive anything.Then They had me send {$100.00} XXXX XXXX  and {$170.00} dollars XXXX XXXX  and now they want me to send {$100.00} dollars for cancelling my loan which I didn't send and they won't refund my money that I sent
Consumer complaint received 2019-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I filed Bankruptcy in 2017 which i had one XXXX XXXX act that was included in bankruptcy. now they are sending me notification stating i had a second account with XXXX XXXX that was not included in bankruptcy- However on that acct my first name is spelled wrong and i told them every thing i had with XXXX XXXX was included in my bankruptcy- I tried to have the debt validated, but they just send me back communication from XXXX XXXX with my name spelled wrong.
Consumer complaint received 2019-06-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Someone opened two Bank of America accounts in my name, with my social security number and address. Once I found out I called Bank of America three times and requested they investigate and close the account. They will not close the account without investigating. In order to do so, they claim to need a photo copy of my social security card, driver 's license and additional personal information I do not feel comfortable sending them considering their security measures are clearly not very strong. They already have app of my necessary information and confirmed the account was opened online with a fake email address and phone number. I want these fraudulent accounts in my name closed without having to give this bank sensitive material that could further compromise my safety and identity. Each time I have called I receive an apology, but absolutely no help whatsoever.
Consumer complaint received 2019-06-30
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. (NC)

After several attempts to XXXX, Equifax, and XXXX to remove these fraudulent addresses they still havent done so for years now! these are the following fraudulent addresses as follows : XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2022-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OK)

{$530.00} was sent to scammer via XXXX through my Chase banking app on XXXX XX/XX/2022. I called the Chase bank fraud department shortly after the transaction on XXXX XX/XX/2022 and was told since the money was accepted nothing could be done to get my money back.
Consumer complaint received 2024-03-25
Product: Credit reporting 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 (VA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of an inaccurate credit inquiry listed on my credit report. Upon reviewing my credit report dated XXXX XX/XX/2023 I discovered a credit inquiry that I did not authorize or recognize. The details of the inquiry are as follows : Creditor Name : Capital One Auto Fin Inquiry Date:XXXX Inquiry Type : Hard Inquiry I have not applied for any credit or authorized any entity to make an inquiry into my credit history on the mentioned date. This inquiry has adversely affected my credit score and could potentially impact my ability to secure credit in the future.

I request an immediate investigation into this matter and the removal of the inaccurate inquiry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus are obligated to investigate and correct any errors within a reasonable timeframe. 
Enclosed with this letter are copies of supporting documents that demonstrate the inaccuracy of the credit inquiry, including any proof of identity, such as a driver 's license or passport. 
I kindly request that you provide me with a written confirmation of the investigation results and any actions taken to remove the erroneous inquiry from my credit report. 
Please acknowledge receipt of this complaint within 30 days and initiate the investigation process promptly. 
Thank you for your attention to this matter. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX 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 XX/XX/XXXX
Consumer complaint received 2023-07-26
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-18
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. (CT)

To whom it may concern : I received a copy of my credit report with the intention of trying to take care of my responsibilities and noticed an account that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am saying that I am not 100 % sure if they are. I read in the FCRA that it said by law, I had the right to challenge anything I am not sure is accurate. 

According to 15 USC sec 1781i ( a ) : if you can't provide proof, the account must be deleted. I want to have the account deleted if it's not 100 % accurate. Could you check on this and get back to me? I saw on a credit site and board, the lawyer said you have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing or not correct on it. 

XXXX XXXX XXXX. # XXXX This account has been verified, however, the original creditor said that they don't have this information, so how are you truly verifying this account? I will have to pursue legal counsel if this is the case. 

Also, please let me know who had access to my file as well.
Consumer complaint received 2023-03-18
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. (MI)

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 : USDOEXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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  ; Whereas TU is XXXX, XXXX is Experian, XXXX is XXXX 15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) 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 15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-12-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (MN)

A robocall was received from XXXX on XX/XX/2020 that went to voicemail leaving the same call back number. Internet searches reveal this to be " XXXX XXXX XXXX XXXX '', a company known for fraudulent calls and harassing people. My number is only used for a few close friends and there are no debts in my name.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CO)

I have a late payment on my account because I never recieved a bill and by the time i realized it was due I had trouble making a payment online repeatedly becauce of technical issues. I tried calling but was on hold forever and couldn't at work during business hours. By the time i had time to make the payment the payment was late even though i emailed the company to please assist me. They also never called or sent me a bill in the mail so i had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as I feel i did everything i could to pay it on time. Thanks