davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
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)

hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. SSN:XXXX and i have contacted Experian countless times and the creditor and cant seem to have them remove this unauthorized credit card off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized credit card data removal which is part of Experian issue of not helping me! Experian customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the Account below which are part of the unauthorized account on my file shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, Experian is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here is the unauthorized account as follows XXXX XXXX XXXX with account number XXXX opened on XX/XX/2014 I look forward to hearing from you or seeing a resolution of this being removed from my credit report asap thank you!
Consumer complaint received 2021-02-02
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OH)

I was pressured into a predatory lease with NMAC stating that it would " eat up '' my negative equity. I was told that NMAC would allow me to bring the lease back early and lower my lease payments, or refinance the loan. After paying XXXX for a year and a half and reaching out to the company i realized this was far from the case. During this time I had interruption to income due to health issues and reached out to inform the company that my payments were too high. I was not given any alternatives and was instructed that i could do a voluntary surrender. Against my better judgement and out of my control I allowed NMAC to take back possession of the vehicle to avoid further damage to my credit. I can say that this lease was predatory in nature and nothing was done to help me as the consumer. Since then the car was sold and sold at a high dollar value. This loan is currently charged off but has been refreshed several times. They have also contacted me after the loan was charged off attempting to collect. This lease has been reported to my credit report as 90 days late every month on my credit report since 2019.
Consumer complaint received 2022-10-08
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. (GA)

XXXX fraudulent accounts XXXX XXXX XXXX XXXXXXXX Fraudulent Inquires XXXX XXXX  XXXX  XXXX Bank XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX ) Ive contacted the creditors to have accounts closed and have contacted the credit bureaus to have removed and still remains after identity theft report and identification has been submitted
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF THE WEST (CA)

Bank of the West has made it harder for me to obtain loans and get help in this hard time reporting false information to XXXX, and XXXX XXXX causing damage to my credit score making it even harder to provide for my family it's been very stressful.
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Greetings, This complaint is against Citizens Bank located at XXXX XXXX  XXXX XXXX XXXX, Mi XXXX. Recently I noticed or I shall say I became suspicious of inconsistent transactions on my account. Money is disappearing from my account without my authorization. And that's just the beginning of my problem. 

On XXXX XXXX 2020 I noticed a transaction that was unauthorized and i called the bank immediately to report the transaction as fraud. My account was closed and the representative has issued me a new card. During the conversation with the Bank Representative I stated that I will like mailed copies of my entire transactions history. I was told I will be charged for wanting mailed copies. The Rep suggested online Banking about transaction history and she gave me an id number and reset password code. 

On XXXX XXXX 2020 at around XXXX I called Citzens bank because my online banking account was blocked. I spoke with two representative before they ended the call and stated that I could not have access to my online banking history. I was told that I can't look at my transactions history to determine any other incidents of fraud on my account. At that point I asked for an address to file a complaint and i was given a po box and an unknown number to call in regards to complaints. I asked the representative to transfer me to a supervisor because I didn't understand why I was denied access to my account, given a PO BoX address to file a complaint, and given a number to call that isn't associated with my bank. 

As of today XX/XX/2020 I can't access my online banking account, I can't get any mailed copies of my banking history, and I can't speak to any supervisors at Citizens Bank. I was placed on hold to speak with a supervisor for 2 hours and 36 minutes before the Bank associates ended the call. I call back and the representative say 'Hello ' right before they end the call. I call back and the cycle continues. The Representatives at Citizens Bank are nasty, rude, disrespectful, and psychotic. Can you call me as soon as you get my complaint. 

My name is XXXX XXXX. My address is XXXX XXXX, XXXX XXXX, Mi XXXX and my cellphone is XXXX XXXX XXXX. My email address is XXXX.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

As of XX/XX/XXXX CapitalOne has frozen all of my accounts due to not having a business account and receiving the PPP forgivable loans. I applied for these loans using a reputable lender, used the governmental application, signed the XXXX  loan promissory note, submitted my XXXX tax return prepared by XXXX  XXXX, submitted my 1099 from XXXX, my incumbency letter with the booking company that I use as a XXXX XXXX  starting in XXXX and my schedule c. CapitalOne has nothing to do with these loans and told me that I was fraudulent. I have tried contacting them ; have been on hold for hours and the only answer they could give me is that this money would be returned to the lender and there is not time frame to access. They told me I needed to find another bank to change any direct deposits. There is no CapitalOne in my city and I literally don't have access to any of finances. I have triple checked the cares act and it accept 1099 worker, doesn't require business account. Please help.
Consumer complaint received 2020-12-03
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: Experian Information Solutions Inc. (MA)

Hi XXXX  ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

In XXXX I got an American Express card, In XXXX I was not receiving my bills, I contacted American Express, They told me that my account was placed with a collection agency. I received several calls from a collection agency call XXXX  about the account. In XXXX I sent a letter to get the debt validated. See attach. 

I called them in XXXX for a follow-up and was told they no longer had the account. I called American Express and informed them that the company is no longer holding the account and they never validated the debt. I explain to them that I sent them a validation letter and got no response. 

When I called in XX/XX/XXXX, I was told the account charged off. In the month of XXXX, I received 8 phone calls of harassment from a company called XXXX XXXX, I asked them to validate the debt, I sent them a letter to validate the debt, They never did. When I followed up with them, I was told they no longer had the debt. 

They told me it was back with American Express, I called American Express collection to speak about the bill and they were rude to me and never validated the debt. I asked to send me the bill by email because I had to move out of the country. They refused. 

I've tried for many years to get the debt validated and got no way. The statue of limitation for them to sue me has passed. They had my wrong address, they did not validate the debt. I ran my credit report yesterday only to find out that they put the debt back on my account. 

I contacted them and they said because I disputed it, they put it back on my account. This is really some XXXX. I do not owe this debt, It's on my three credit report
Consumer complaint received 2023-02-14
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. (NV)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

XXXX and Transunion refuse to remove this account. I explained long ago this was the result of my identity being stolen. The lawlessness of these fools is unacceptable. 




XXXX XXXX XXXX  Account Number XXXX
Consumer complaint received 2020-11-10
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 — Their investigation did not fix an error on your report
Company: CL Holdings LLC (OH)

This is a complaint against XXXX, Jefferson Capital, and XXXX regarding a collections on file from XXXX XXXX. 

This collection originated from XXXX for an early termination fee ( ETF ). I have not been a customer of XXXX since XXXX. 

When making plans to cancel my service with XXXX, I spoke to the customer service department to get the correct date for cancellation. I kept my service for another six months in order to cross the contract 's line before terminating as instructed. 

I was never invoiced for this ETF from XXXX nor did I receive any calls regarding this fraudulent charge. 

In XXXX, XXXX sold the bogus debt to Jefferson Capital, INC.

Jefferson Capital has contacted me by phone multiple times, however I told them to send me the details in the mail so I had them in writing before determining what this collection was for. They never complied with my multiple requests over FOUR YEARS. 

Because of this failure of being upfront and credible, I've stopped answering any of their harassing phone calls and refuse to deal with them anymore. 

I've disputed this twice with XXXX and they say they have done a satisfactory investigation into the matter. It is clear they have not because XXXX dropped this exact collections filing IMMEDIATELY upon receiving my dispute. 

I attached XXXX XXXX documents to my dispute filing with XXXX to serve as proof and make their job easier. XXXX ignored said attachments. 

This is a ridiculous abuse of power over a small consumer 's credit during a time many of us need the protections of credit the most.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Working on repairing my credit, I contacted Trans Union to inquire about 2 items on my report with XXXX XXXX. XXXX # # : XXXX. 
Trans Union insisted they have verified the account with XXXX, however no one has ever been notified via from Trans Union. 
Also, Trans Union are not listing the entire account number but a partial account number and this is highly damaging to my credit score with not listing the entire account number. By not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 
On XXXX XXXX, 2019 I received notification from trans Union saying the above account has been verified and is accurate. Also, on XXXX XXXX, 2019, I received notification from trans Union saying the above account # with XXXX XXXX has been Deleted from my credit report. 
In accordance with the requirements of the FCRA section 6119a ) ( 5 ) ( B ) ( ii ), Trans Union was required to notify me of the reinsertion in writing within 5 business days. I received NO such notice and this is a very serious violation of the FCRA. 
Additionally, I asked Trans Union to provide the names, address and telephone numbers of each person they contacted regarding their verification of the account with XXXX XXXX. Once again, they FAILED to provide this information. I informed Trans Union, ANY AUTOMATED RESPONSE OR XXXX VERIFICATION IS UNACCEPTABLE, I requested their method of verification, DID NOT receive this information.
Consumer complaint received 2017-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc. (TX)

Company appeared on my credit XX/2017 without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never attended XXXX University and I have no knowledge of this account.
Consumer complaint received 2019-11-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019 I went to the Chase bank in XXXX XXXX NY to initiate a wire transfer. Waited for over 1 hour for a bank representative to even acknowledge me. I presented the coordinates for a wire transfer with XXXX  XXXX XXXX being the initial bank and XXXX XXXX XXXX XXXX XXXX being the final bank. I was informed by the bank clerk XXXX XXXX that Chase is a " big bank '' that does not need an intermediary bank and the funds will be transferred directly to XXXX XXXX XXXX  XXXX XXXX. After 1 week of the funds not being there, I called Chase to inquire what was happening. They informed me that XXXX XXXX XXXX  was being bought out by XXXX XXXX and they ( without my knowledge or consent ) request the funds back. The funds got back to my account 3 days later ( 10 days from my initial transaction ). As it turns out, XXXX XXXX  XXXX XXXX XXXX charged me {$35.00} for the return wire which i have no way of disputing since they are a foreign bank. Chase charged me {$50.00} for the initial wire and will be charging me an additional {$50.00} to send the wire again. Needless to say I am appalled at how consumers are being treated my these institutions when their dealings are completely out of our control. I was informed that if Chase had followed the initial instruction and initiated the transfer through XXXX this whole thing would have been avoided. I think I should at least me reimbursed by Chase for my transaction fee not to mention the time I spent in their understaffed bank.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MA)

I traded in my XXXX XXXX XXXX for a XXXX XXXX XXXX. Throughout the entirety of the loan i made all payments on time. The last payment to be sent in to Wells Fargo Bank would have been from the dealership. Since I traded it in to XXXX XXXX of XXXX. I have asked the bank repeatedly to fix the one late payment and they have refused. They also show the account as closed and not payed as agreed. I am being held responsible for the mistake of the Dealership. And the loan showing as a closed vs a Paid as Agreed account is really affecting my credit score. 
I have also recently contacted the bank directly and was asked to dispute this again but the credit bureau said that it has been disputed twice already.
Consumer complaint received 2020-11-21
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: Shellpoint Partners, LLC (WY)

In XX/XX/XXXX, XXXX  accepted an unvalidated debt from a company called New Rez-Shellpoint Mtg. The debt was discharged in my chapter XXXX bankruptcy in XX/XX/XXXX. After a dispute I filed in XX/XX/XXXX, XXXX  removed it from my credit report. 60 days later in XX/XX/XXXX, New Rez-Shellpoint reported it to all three credit agencies again. XXXX  and XXXX  removed it immediately due to past investigation. For a second time, XXXX allowed it. I disputed it again. XXXX  just concluded that investigation. They did not remove it this time and did not provide me with a reason. This has caused me severe problems with my credit. I have a nearly perfect score with 2/3 of the credit agencies. I can't understand why XXXX  has reinserted a unvalidated deb that was removed 60 days before. I work for a XXXX, and this issue may effect my continued employment. The mortgage company will not answer my inquiries. Both companies have my discharge on record with specifics on debts that were included. The debt in question is highlighted in the judgement over 10 years ago I will add. Can you please help me