davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I have sent several certified letters to XXXX, Equifax, XXXX   and XXXX multiple times starting XX/XX/2018 to XX/XX/2018 asking them to verify the Chapter XXXX Bankruptcy information in my credit reports. The response I get from them is a letter saying that they verified the Bankruptcy, or it was certified by the Bankruptcy Court, and that it is valid per a third party source. I sent another letter requesting documentation for accuracy, and I still get the same response saying it was verified. So, I sent a certified letter to the courts asking for information on them reporting to credit reporting agencies. I received a letter back from the Bankruptcy Court stating that they Do Not Report, or Verify any information to Credit Reporting Agencies. I then sent the letter I received from the Bankruptcy Court to XXXX, Equifax, XXXX and XXXX, and they still comes back with the same response, that it was verified. So, if the court did not verify or report the information it should not be reporting on my credit reports.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have repeatedly requested and/or demanded that Experian and Experian XXXX and their subsidiaries and consumer reporting arms remove the following fraudulent credit inquiries from my credit report : 1 ) XXXX - Date of Inquiry : XX/XX/2017 2 ) XXXX - Date of Inquiry : XX/XX/2017 3 ) XXXX XXXX - Date of Inquiries : XX/XX/XXXX & XX/XX/2017 The inquiries listed above were provided without my knowledge or consent. They are fraudulent attempts at gaining access to my credit report. I have attempted to contact the credit reporting agency via their online dispute system and via certified mail, and they refuse to remove these fraudulent inquiries. I have added a fraud alert on all three of my credit bureaus, I have followed up and have not received a satisfactory response or any response at all within the time allotted by law.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

I was charged {$670.00}. on my Chase Sapphire card for an outdoor furniture purchase I made in XXXX, XXXX from XXXX XXXX XXXX ( the merchant ). The merchant 's website said it was a " quick-ship '' item and would be shipped in 4-6 weeks. After 4 weeks, I asked for the status of my order and was informed me that it would take another 16 weeks for it to ship. I cancelled the order because by the time it shipped, summer would be over. The merchant confirmed that it was cancelled. In XXXX, I realized that I wasn't refunded for the charge. I contacted the merchant and they asked me if I wanted to cancel the order. I told them I already did cancel. They confirmed that it was cancelled. In XXXX, I got a call from the shipping company saying that they were trying to deliver my order. I told them that I cancelled it. I contacted the merchant and told them that I cancelled the order twice and asked for the status of my refund. The merchant said that they would refund me. In XXXX I checked my credit card statement and found that there was still no refund. I emailed the merchant again and received a reply that stated only " refunded ''. In XXXX, there was still no refund on my statement so I opened a claim with Chase. I provided them with written documentation to support my claim. In XXXX I was told that the charges were correct and it was too late to make a claim. I appealed the decision and in XXXX, XXXX Chase responded that stating that the charge was correct and if I have a dispute with a merchant I need to take it up with the merchant. So here I am. I don't have my {$670.00} and I do not have the patio furniture. During this time I have contacted XXXX XXXX XXXXXXXX by email and by phone, asking them to tell me how and when they refunded me. They do not respond to any of my attempts to resolve this. The bottom line is that XXXX XXXX XXXX and XXXX XXXX XXXX have my money and the patio furniture. I have been a good customer for Chase, and it stuns me that they can see clearly that merchant did not refund me when they specifically stated that they did and yet they won't credit my account and charge back the merchant for both the initial charge and interest that has accrued on it.
Consumer complaint received 2022-04-01
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 am a victim of Identity Theft. I have requested that the credit bureaus remove these fraudulent items that are reporting, numerous times. The credit bureaus, and creditors have never provided any proof that these are my account, no contracts or signature have been provided. The fraudulent items are 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 I want these fraudulent items removed from my credit reports. They are also reporting incorrect names and addresses
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a Citi checking account on XX/XX/XXXX. The bonus term is to make a deposit of {$15000.00} for 3 months and I will get XXXX Citi Thank You points. I have contacted Citi customer service multiple times on XXXX, XXXX and XXXX and they have confirmed that I have fulfilled the terms for the bonus. They have confirmed that I should be getting my bonus at the latest on XX/XX/XXXX. But there is no bonus.
Consumer complaint received 2019-06-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION (CA)

They added a XXXX XXXX account to my check n go account. I only bank with XXXX XXXX XXXXXXXX and only that company. What check n go did was criminal and fraudulent and instead of correcting the issue they still have the XXXX  XXXX account on my profile. They were expecting my loan to be deposited into a bank account that is not mine and refused to correct their or acknowledge there wrong doing. The were extremely unprofessional and criminal.
Consumer complaint received 2023-03-02
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. (NJ)

I recently pulled a copy of my consumer reports and noticed the following personal information you have on file are IN ERROR my correct spelling name is XXXX XXXX XXXX. I DO NOT SPELL MY NAME ANY OTHER WAY.
Consumer complaint received 2021-07-08
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. (FL)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-07-08
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: Bread Financial Holdings, Inc. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-11-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACS Education Services (CA)

Conduent Education Services ( CES ) and XXXX : Are reporting against my credit in XXXX of 2017, as a combined report. 
I just learned about this and could not dispute this. 

How are two different companies reporting late payments and why wasn't I notified? 

I need the following since all my student loans were all appropriately deferred in 2017, in all fairness, I am requesting the following ( original documentation for inspection at my home address ) verifying when these two separate companies, which are now combined on my credit report did any of the following : ( 1 ) When they contacted me in 2017 and what address they utilized to notify me ( both individually XX/XX/XXXX and CES ) - original documents needed for review ). 

( 2 ) When they verify that they were a new loan server in 2017 and what address they utilized to notify me ( both individuallyXX/XX/XXXX and CES ) - original documents needed for review ). 

( 3 ) I looked online CES and XXXX are two different companies ; how, are both reporting the same XX/XX/2017 late payment??
Consumer complaint received 2018-07-25
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: CITIBANK, N.A. (TX)

I am writing this letter to file a complaint about a fraudulent charge to my Sears Master Card credit card. On XX/XX/2018, we noticed a fraudulent charge to our credit card from a company in XXXX XXXX XXXX. The company, XXXX charged us {$43.00} for goods and services that we did not authorize. We called and filed a dispute with the credit card company stating that the charge was not authorized. The credit card company opened an investigation to the matter and concluded that the charge was not authorized by us. They reversed the charge. One month later, on XX/XX/2018, we noticed another charge from XXXX for the same amount of {$41.00}. This time we noticed that we were charged an additional {$41.00} from a different company in XXXX XXXX XXXX called XXXX XXXX. We called the credit card company once again to dispute both charges. The credit card company reversed the XX/XX/XXXX charge of {$41.00} and closed our account at our request. The company issued us new cards, but transferred the {$41.00} from XXXX XXXX to our new card. On XX/XX/XXXX, I called the company to file another dispute for the transferred amount and the credit card company opened a new investigation. I received a letter dated XX/XX/2018 that stated that they credit card company had concluded that we gave this company in XXXX XXXX XXXX our credit card number and they were going to reissue the charge to our card. I called the credit card company to speak to a representative to ask for the evidence that was used to determine that we authorize this XXXX XXXX company to charge our card, but I was told that I could not speak to anyone regarding this matter. I need help with this company because they are not being transparent with me regarding how they came to the conclusion that we were complicit in authorizing this charge.
Consumer complaint received 2021-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted transunion and sent letters multiple times for three inquiries that I did not authorize transunion keeps telling me I need a letter from the company I have contacted all three companies and unable to get any assistance because I do not have an account with them
Consumer complaint received 2020-02-27
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. (NJ)

I ve been working with the creditor and credit bureau to deleted promised information. Non of the collections on my report where mines and I was forced to pay or the said my credit would remain ruined. They said they would permanently delete the accounts from my credit. This is frustrating. They are dishonest companies. I want all these accounts deleted from my credit report. 5 accounts XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX  XXXX XXXX Reported : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX
Consumer complaint received 2019-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (CA)

Im getting a collection report of {$37.00} with XXXX through a collection company named diversity adjustment. I cleared that account about two years ago I have never received any letter or claim. I dont have any evidence that I owe that money and is already in my credit report.
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (PA)

I applied for a conventional mortgage to consolidate my debt. I received a call from the lender and the options they gave made sense. I paid to lock in my interest rate. Every document they requested I returned immediately. The original loan officer had to go out of town and has not returned my call in a while Mr. XXXX. XXXX from the office called me but she went on vacation and so my loan wasn't processed. Now I am at the last day for my interest rate to be locked in and she just told me I would have to pay another fee. I shouldn't have to pay a fee when the loan officers keep going on vacation or out of town prolonging my loan and trumping fees on me. I also appeal the appraisal because the appraiser missed all the obvious thing like smoke detectors and co2  detectors. I wrote an appeal and never received a written decision. I requested the appeal denial in writing and have never received it. They never scheduled anyone to come back out to my house. I paid {$490.00} for the appeal and should get serviced properly. Now they are rescheduling someone to come out to the house to ensure I have a down spout in the rear of the house which I told them over 2 weeks ago was already done. Loan origination date was XX/XX/2019. Adjuster came out and didn't do his job properly I appealed and did not get a decision on the appeal in writing. Requested 15 call backs since the loan origination date and received half of the calls back. Thanks for your time and assistance. Loan Depot is the company
Consumer complaint received 2018-06-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX contacted me saying they represent XXXXXXXX XXXX XXXXXXXX XXXX. they said i owe XXXX to XXXX. I have never had an account with XXXX, even though they gave an account number.. I looked up XXXXXXXX XXXX XXXXXXXX XXXX on the net, your article came up about fraudulent charges. I have decent credit and I do not want this to ruin it. thank you
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX states I owe two medical bills which are showing on my Transunion credit report as two different collections. I sent a letter of verification to credit collection services and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Transunion credit bureau and the two collections are still on my credit report after disputing three times. Transunion says their dispute results are verified when they can not be because the credit collection company can not verify this information. Due to the inconsistencies and defamation I want this removed off my report immediately
Consumer complaint received 2024-09-16
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: HYUNDAI CAPITAL AMERICA (AL)

On XX/XX/XXXX, I had an accident in my XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX declared that the vehicle was totaled. The adjuster from XXXX XXXX XXXX was provided with three incorrect letters of guarantee from Kia Finance. The adjuster asked if I could get my attorney involved because they were not providing him with any information. Each letter Kia sent to the adjuster was the total amount of my loan, not the vehicle. On XX/XX/XXXX, Kia Finance cleared the total of my XXXX XXXX XXXX for {$16000.00}. I received a call from Kia Finance requesting a payment toward the remaining balance on the account which was {$1900.00}. I advised the agent that I could only pay {$250.00} at the time and I could make a payment every two weeks to clear the balance. On XX/XX/XXXX, I received a notification via email from my XXXX account that Kia Finance reported {$1700.00} as a charge-off on XX/XX/XXXX. I spoke with XXXX agents from Kia Finance on XX/XX/XXXX, concerning this matter. I asked if XX/XX/XXXX, to XX/XX/XXXX, 120 days to put a charge off on my credit. They only provided the address to dispute the report on my credit. It took from XX/XX/XXXX to XX/XX/XXXX to provide the correct letter of guarantee and receive a payment.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (AZ)

Name on Card : XXXX XXXX SS ending in XXXX Cell Number : XXXX Visa card ending in XXXX Applied for a credit card from Avant.com and received visa card in XX/XX/XXXX, at which time realized for a {$500.00} line of credit, I will be charged {$39.00} annual fee. I immediately called them on XX/XX/XXXX and cancelled the card by phone and letter and requested a refund of the annual fee. However they went ahead charged the fee for a year starting XX/XX/XXXX thru XX/XX/XXXX and took the money from my checking account. The card was never used and they are refusing to refund the annual fee. 

Please help us obtain that money. After the fund was taken from my checking account, I spoke to XXXX ( call center overseas ) on XX/XX/XXXX, and was again refused nor would he give me a supervisor to talk to. Customer service number is XXXX I have uploaded my correspondence with Avant representative,