davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Dear Madam or Sir, I am disputing the information XXXX XXXX XXXXXXXX of {$1200.00} in my credit reporting. We do not owe any money to XXXX XXXX XXXXXXXX, on the contrary the company owe us because we overpaid them. 

Our last day in the apartment was XX/XX/XXXX and was credited 7 days rent. By looking at the attached balance statement you will see that the company charged us the month of XXXX, which is incorrect and does not make any sense. If so why give us 7 days credit for the month of XXXX? We moved out of the property in XXXX and returned the keys. 

Furthermore, if you look at the court document you will see that the eviction case was dismissed and all costs and taxes to be paid by plaintiff. Again, if you look at the same balance statement you will see that we were charged {$230.00}, which is in complete violation with the court order. 

I am requesting this wrong information to be deleted from my credit report because I do not owe any money to XXXX at XXXX. Thank you for your understanding!
Consumer complaint received 2019-10-03
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. (FL)

I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

THIS IS THE SECOND TIME TRANSUNION HAS REPORTED THIS INACCURATE INFORMATION ON MY CREDIT REPORT. 

On XX/XX/2022, I checked my TRANSUNION Credit Report that is linked, Mission : Credit Confidence to my XXXX XXXXXXXX XXXX Account, ONCE AGAIN. To my surprise, TRANSUNION is falsely, inaccurately reporting and sabotaging my reputation, by reporting on my Credit Report that, I have 1 recent XXXX XXXX BANKRUPTCIES. This devastating fraudulent inaccuracy is saying that I filled a BANKRUPTCY on XX/XX/2022. I ASSURE YOU THAT, I HAVE NOT FILLED A XXXX XXXX BANKRUPTCY on XX/XX/2022. And then it says, the Bankruptcy was dismissed 3 days later, on XX/XX/2022. REALLY? My husband and I are in the process of getting ready to purchase a home. 

When Transunion reported this same similar sabotaging inaccuracy on XX/XX/2022, After our Realtor was made aware of this falsely, inaccurately reporting and sabotaging my current reputation, she immediately said this would be an issue, because I couldnt have any RECENT BANKRUPTCIES less than 2 years on my Credit Report in order to possibly move forward in the purchasing of our first home. DO TRANSUNION HAVE ANY IDEA WHAT THIS HAS DONE TO ME! I literally have been DEPRESSED ever since my Realtor stated that to me. I was so devastated over this, I didnt even go out of town with my Family and to celebrate my Aunts Birthday with her, because theres a STRONG possibility that my husband and I wont get the home we have our eyes on, due to this FALSELY AND INACCURATELY REPORTING. So, the home that my husband and I have our eyes and hopes on of purchasing, may possibly be purchased by other buyers, due to TRANSUNION FALSELY AND INACCURATELY REPORTING THIS ON MY REPORT. Now, I spoke with XXXX XXXX on Friday, XX/XX/2022 about this FALSELY and INACCURATELY reporting on my TRANSUNION Credit Report they share with them. And I was told by XXXX XXXX that they ( XXXX XXXX ) did have anything to do with this. All they do is provide us ( MEMBERS ) a free access to our Credit Report provided, by TRANSUNION.
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

I Have requested a conditional lean release from Shellpoint Mortgage on my Mobilehome property to close a sale, initial request was made XX/XX/2021. Information has not been provided after several calls made to Shellpoint and talking to at least six different contacts. The sale of my home is in serious jeopardy as Shellpoint has failed to comply. This matter needs to be addressed immediately.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery said that they completed their investigation and have prove that this debt is mine, however, having a statement from the company in my name does not prove that i opened it, as i stated before, this was opened with in my name without my knowledge. This is my last request for this company to leave me alone, i will be speaking with a courts clerk going forward.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (OK)

My cash card was locked and I could not unlock it in the app. I contacted them on Thursday, I sent in the stuff to verify my identity on Friday, and all they'll tell me is that it has been escalated to their special investigations team and they'll get back to me. Me. It's been almost a week that I can't access my money! And they won't tell me anything other than it's being escalated. And thank you for my patience. I have bills to pay, I have kids. I can't not have access to my money!
Consumer complaint received 2019-05-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA did a hard pull on my credit for an auto loan pre qualification. The consent form was extremely vague and I didnt understand they were doing a hard pull. Especially since normal business practices of other lenders is to just do a soft pull for prequalification purposes. The form just said that usaa would look at consumer reports. They didnt even give an example of what a consumer report is.
Consumer complaint received 2022-01-17
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. (NY)

XXXX Account number on XXXX XXXX Account type Credit card. Date opened XXXX and said my account Discharged through Bankruptcy XXXX XXXX. My account was paid and at zero balance when I filed for bankruptcy. I filed for bankruptcy because I became homeless and was a victim of fraud not because of bad credit. I complained several times XXXX is reporting false information on my credit report and please remove it. I sent proof that XXXX was not part of the Bankruptcy Chapter XXXX because I had a XXXX balance. They refuse to remove it and the representative said to me " you XXXX people are always not trying to pay your bills ''.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (PA)

On XX/XX/2023 I tried making a purchase with cash back at XXXX XXXX. Unbeknownst to me, there was an outage on XXXX end, where the app was completely unusable. I made the transaction but on my end, it denied, so i tried a few more times. At this point, You can see multiple declined transactions on my end but nothing went through. I was able to refresh my app about XXXX minutes later and my money was GONE. {$51.00} GONE. it said the transaction went through but on my end i got NOTHING, DENIED TRANSACTIONS. Cashapp is WELL AWARE of the app being down at that date and time. I disputed this transaction XXXX TIMES, tried contacting support several times and i am getting NO WHERE. This was an issue on XXXX end, not XXXX, nothing else.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I received a bill from Chase for my Chase Amazon Card. The card has been compromised and there are illegal charges on it. I informed Chase who refuses, as required, to hold these charges in abeyance as required by Federal Law.. They saw I should call the company I never placed these orders with. They have no number, which was told to Chase which they ignore. The only number I have that actually a works is for a company called XXXX which is a shell company for XXXX the one illegally charging my card. The other companies charging my card are all " full filled '' by XXXX. I never ordered these products, t hey keep shipping them Chase wont stop decline the charges nor will " XXXX ''. This is scam that Chase refuses to deal with, putting onus on me to reach a company they has no phone, and refuses to reply to my requests because they are crooks. I asked Chase to issue a new card, which they have sent me bills for but I never received the card. I called and asked for the card and to notify them it never arrives, they refuse to do anything about this as well. I wrote their CEO on XX/XX/2019, and he does nt ot reply nor anyone form his office. I then said please just cancel they card, but they refuse to do that as well.
Consumer complaint received 2019-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, my wife had sent me XXXX transfer in the amount of {$1000.00} to my Chase checking account. I even received an email from Chase bank that I received the transfer. 
However, the money never got deposited into my Chase account. 
Later we found out that the account that my wife sent to was a closed account, and she sent it accidentally. 

So, I spoke to both banks. 

My wife 's bank ( XXXX  XXXX XXXX ) said that they can't do anything about it because they already initiated the transfer. 

My bank, which is ( Chase bank ), said that they can not track the XXXX transfer, and they can't do anything about it.
Consumer complaint received 2019-10-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NJ)

I financed a vehicle from PNC bank, followed there instruction to access online banking and pay installment, i registered and logged in, next day i try to log in it says you need to register a cell phone number, i don't have a cell phone, after that i called the number provided and waited 30 min and since then i been getting transferred and customer service making excuses by drooping the line saying we cant hear you,, worst online banking experience ever, never banking with PNC again, customer service res are rude and even don't know any thing about solution, they keep reading from manuals
Consumer complaint received 2022-10-07
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. (KY)

In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights under 15usc1681 section 602 states i have a right to privacy 15usc 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instruction under 15usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Wayfair/ Comenity Bank failed to process my payment which was mailed to them 20 days prior to my due date. I ended up having to make my payment over the phone after realizing they never processed my payment.

I had a late fee of {$40.00} applied and asked that this be waived. The account was paid in full. Wayfair clearly had a delay with processing mailed payments and they even claimed that due to covid it can take longer to process mail payments. 

This is unacceptable and my late fee needs to be refunded to me. There is a {$40.00} late fee to an account that has an interest fee of {$7.00} and this account had been paid in full based of the payoff balance provided by the creditor
Consumer complaint received 2024-05-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCF Intermediate Holdings LLC (VA)

This is a debt buyer of an old payday loan account that was included and Discharged in my past bankruptcy in XXXX. The bank that I was with when I got this payday loan was also included in my last bankruptcy and is discharged successfully. 

However, this creditor keeps calling all around to my family members houses, they call their cell phone numbers, and on their XXXX accounts, as well as mines EVERYDAY while trying to collect their {$1000.00}. 

I have reported them already to the FTC, and to the local police. They have been posting this debt on my credit report every month since XX/XX/XXXX. This debt has caused my credit scores on all of my credit reports and made it impossible for me to obtain fair credit to purchase a house, buy a new car, or obtain a loan, or anything based on credit. Indeed, this is a scam, discrimination, harmful to me personally, and to my credit reports. I pay all of my bills on time. 

I have disputed this creditor with all the credit bureaus and asked them to remove it, but they won't.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

I have a XXXX XXXX XXXX credit card which was administered by XXXX  XXXX XXXX. A couple of months ago, Comenity Bank apparently purchased the XXXX card from XXXX  XXXX XXXX and it seems I was supposed to get a new card and account number in the mail last month. However, I did not receive anything at all, and attempts to log into my account failed because the XXXX  info was no longer valid. 

The first contact I received from Comenity was a bill in the mail this month, which advised me that there was now a late charge on my account because of a missed payment. Bear in mind that I couldn't have made a payment anyway because I didn't have the new account number, and even on this late notice they didn't display the account number ( it was masked with asterisks except for the last XXXX digits ). I tried calling to resolve these issues, and after dealing with long holds, department transfers and even complete disconnections from the line, today I finally reached someone named XXXX. I was told they could not remove the late charge because the account had been closed in XXXX of 2017. That date obviously made no sense but that's what she said the record showed. I told her that while navigating their phone tree, I had indicated I wanted to speak to someone about making a payment and closing the account but I had never gotten the chance to do so and it appears their system did it automatically ( and assigned a date of XX/XX/2017 as the closing date for some reason ). 

At this point, I assume the account is actually closed but I don't know that for certain. I would like to confirm that and I was like to be reimbursed for the late charge they assessed since none of this was my fault. Thank you for your time.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report XXXX XXXX XXXX XXXX : Collections : XXXX & XXXX Account No XXXX XXXX. Amount Owed {$150.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (FL)

This is in reference to previously filed complaint XXXX. This issue has not been resolved by the bank as we are questioning the legitimacy of the operational practices involving potential violation of The Right to Financial Privacy Act and the rights for dual account owners. The company failed to communicate to both owners of the account properly. The company stated a county court order served as a reason for closing the account without notification. A county order does not overwrite the federal rules and regulations for financial institutions in the United States. In addition, the bank failed to conduct proper due diligence and protect the consumers ' rights from false allegations and injustice. 
As such, the bank acted in bad faith and the compensation for damages is due.
Consumer complaint received 2021-09-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I Am a federally protected consumer, natural person and not affiliated with a third party. After sending a Equal Credit Opportunity Act letter XX/XX/XXXX making navy federal aware of the discrimination violation I am pursuing. Making note that banks are borrowers who issue bonds and debentures 12 USC 1431. No lawful money has ever been deposited from navy federal to XXXX XXXX yet Navy Federal denies credit to the the person that extended credit. Upon social account number and my signature pen on that application navy federal used that promissory note/ negotiable instruments for gain and provide nothing in return. I sent two letters specifically addressing my rights under commerce and trade 15 USC 1691a ( 3 ) Scope of Prohibition it shall be unlawful for any creditor to discriminate against ANY applicant
Consumer complaint received 2019-10-07
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. (TN)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I called the police about fraud and FTC.These items need to be deleted from my credit report XXXX XXXX   XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX There are some inquiries too that are not mine : XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MA)

I contacted Citi and opened up a Secured Credit Card for {$1000.00} to rebuild my credit back up after suffering thru some hard times. On or AboutXX/XX/2019 there was a problem and my credit card was blocked. I contacted Citi and was transfered to the fraud department. Citi for some strange unknown reason can not verify my identity altho i have given them what they ask for. They can not or will not use my cell phone number to send the so called text message for security purposes and after a few calls i was told they would send me a letter with a validation code after waiting for 3 weeks said letter never came. I even asked if i could at least make a payment since my normal due date has come and gone and was refused this simple request! Ive never had this issue happen to me before even with my own normal bank, sadly they dont offer secured  credit cards at the moment or else i would have obtained one thru them instead of Citi
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX AND XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX  XXXX Date of request : XX/XX/XXXX XXXX XXXX XXXX Date of request : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of request : XX/XX/XXXX ;