davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIDELITY CAPITAL HOLDINGS, INC (FL)

I purchased a computer motherboard from XXXX XXXX in 2010. The company was giving me the run around & did not provide any means for me to contact them by phone so I feared that it may have been a scam. The item I ordered was not delivered so I contacted my credit card company & did a charge back. Soon after that, the item I ordered finally arrived at my door. I refused the package & asked the deliver person to send it back. They received their item back & are still charging me for it.
Consumer complaint received 2018-06-18
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: Experian Information Solutions Inc. (AL)

I noticed that there are 8 outdated accounts listed on my credit report. I would like for these accounts to be removed by guidelines of the FCRA. The accounts that are listed are very outdated.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have submitted disputes every month for 6 months to all 3 credit bureaus - XXXX, XXXX  & Transunion. I've received confirmation that the bureaus have received my disputes, but I have never received a response, the account I'm disputing has never been listed as " in dispute '' and the inaccurate information is still on my credit report, damaging my score. Not one of the credit bureaus has responded to any of my dispute letters, this is not only illegal, but that means the account in question qualifies for deletion from all 3 bureaus.
The account I've been disputing is XXXX XXXX, it's a loan that was never personally guaranteed by me, it was a company I worked for, but had nothing to do with me personally. This is illegal and unjust.
Consumer complaint received 2022-09-11
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. (SC)

I have a different amount showing on my credit report than what i bought. i have called multiple times with no regard for the fact that they have incorrectly reported two different amounts and they are both incorrect. i want it removed from my credit completely!
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I requested a Stop Payment in the amount of {$900.00} from XXXX XXXX. 
On XX/XX/XXXX, the payment of {$900.00} was deducted from my checking account. 
On XX/XX/XXXX, Chase Bank approved my request for the stop payment and was valid for 1-year. 
On XX/XX/XXXX, I contacted Chase letting them know I had a payment of {$900.00} payment deducted from my account. 
On XX/XX/XXXX, Chase reversed the payment and returned the funds back to my account. 
On XX/XX/XXXX, a payment of {$900.00} was deducted from my checking account. 
On XX/XX/XXXX, I contacted Chase again asking why a payment was deducted even if I had an approved Stop Payment. 
I have contacted Chase on several occasions to dispute the {$900.00} deducted from my account and on XX/XX/XXXX, Chase 's response to my repeated dispute was not approved and determined that the transaction was valid, thereby dishonoring my Stop Payment that was previously approved. These funds have not been reversed to my checking account. Arrangements were already made with another company in XX/XX/XXXX to pay off my debt with XXXX XXXX.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2021-10-05
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. (GA)

For about 36 months, there was an incorrect reporting of a XXXX XXXX account of mine on my credit report. I had consistently attempted to have this information corrected. Each time I filed a complaint, the credit reporting agencies appeared to have sided with XXXX XXXX. After I filed a complaint against XXXX XXXX through the CFPB, the response received from XXXX XXXX response seems to to blame the credit reporting agencies for the incorrect reporting of my XXXX XXXX account. This inaccurate reporting of my XXXX XXXX account caused great harm to my credit score. This is part of the the statement from XXXX XXXX in their response to me on or about XX/XX/XXXX before their credit collector sued me in court and as such, caused me even more financial harm : " We have received multiple electronic disputes from you through the e-OSCAR electronic dispute portal. e-OSCAR is a web-based system that allows credit reporting agencies to respond to disputes. Data furnishers help the credit reporting agencies respond to disputes that are submitted through e-OSCAR. As a data furnisher, XXXX provided responses to each of your disputes directly to the credit reporting agencies through e-OSCAR. Upon receipt of your complaint, we completed another review of the account information displayed in your credit file for account XXXX found that updates are still required at Equifax, where the high credit/original amount and the charge-off amount are missing, and the payment history still does not match our system of record. At XXXX, this account is reflecting an incorrect closed date, which should be XX/XX/XXXX, the date of sale. At XXXX, the payment history still shows no data for XXXX & XXXX XXXX, we have requested that Equifax, XXXX and XXXX make those updates. As a courtesy, XXXX will remove the information on account XXXX. Please allow 30-45 days for the updates and the removal of account XXXX to reflect in reporting ''.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FinCo Services Inc DBA Current (CA)

My credit card was stolen and I filed a dispute on a transaction that was placed by someone who stole my card the store that my stolen card was used at had been XXXX, I contacted them they helped as much as they could because I had to eventually file a dispute with my card company. So I did I filed it twice and both times were denied and no one can give me reasoning on the decision of the dispute either times. They have stolen money from me numerous of times I can prove it. There even charging me {$36.00} a month for subscription which was an hidden fee didnt know it would take {$36.00} from my stimulus check that I received from President Donald Trump.  Please help!
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (MO)

On XX/XX/XXXX at XXXX I called First Bankcard ( XXXX XXXX. XXXX XXXX XXXX, NE XXXX ) and spoke with XXXX. I explained there were fees on my account that needed to be reversed, that I wanted to make a payment bringing my balance to {$0.00} except for the fees that needed to be reversed and that I wanted to close my account with First Bankcard. XXXX informed me that the late fee and interest fee was corrected and that my account would be closed. He gave me a confirmation number regarding the closure of my account which was # XXXX. 
XX/XX/XXXX I receive a statement from First Bankcard and there is a {$4.00} balance on the account. I was confused because I cancelled my account over four months ago. 
On XX/XX/XXXX at XXXX I called First Bankcard ( XXXX XXXX. XXXX XXXX, XXXX, NE XXXX ) and spoke with XXXX. XXXX verified my XX/XX/XXXX phone call and was able to see the notes on my account regarding the fees, the payment and my request to close my account. I wasn't getting anywhere with XXXX so I asked to speak to someone higher in management. XXXX got on the phone and I explained the situation to her ; that I had called in over 4 months ago and requested my account to be closed. She also verified the information by reading the notes in my account. She said she would speak with XXXX and make sure he knew that he needed to follow through better and close the accounts he told customers he would close. XXXX also continued to tell me that charges come through on closed accounts all the time. It was my responsibility to pay the amount due. She said she would close my account but I would need to pay the amount due. I asked her in many different ways how in the world I was responsible for XXXX not doing his job correctly and not, in fact, closing my account as requested. I told her there would not be a charge if the account was closed, it would have been rejected. No matter how I worded it, she was NOT going to acknowledge the fact that if a credit card is closed, charges can't be made on an account that doesn't exist. However, my account was not closed like I was told it would be by a First Bankcard representative. I informed everyone I spoke to that I was recording the phone call. I do have the recording. I was not getting anywhere with XXXX either, so I asked to speak with someone higher in management than her. She guaranteed me that someone would be calling me within 48 hours of XXXX XX/XX/XXXX. 
I can not believe that this institution actually wants to hold me accountable for their employee 's careless mistake. I DO NOT believe it is my responsibility to pay for XXXX not doing his job correctly. I also think it is terrible for upper management to be so unwilling to help a customer. I believe I am owed an apology along with the minimal amount due removed from my account. I want my account closed as soon as possible. I hope that the people involved get the proper training required to deliver better customer service.
Consumer complaint received 2020-04-21
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: CCS Financial Services, Inc. (AZ)

Hi, I disputed Credit Collection Service/ XXXX  XXXX XXXX XXXX on all three credit reports. Credit Collection Service/ XXXX XXXX said they had verified my account properly. 

Credit Collection Service/ XXXX XXXX XXXX XXXX did not verify this account properly and they are still reporting it on my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I have attached the type statement up sent me.
Consumer complaint received 2018-02-19
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)

I have paid in full to tax lien in California. but they not release the lien from my credit report. I have filled dispute with transunion credit agency but still not remove lien from my credit report.
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Tried to access XXXX app to play the lottery. Went to fund my account by signing in to capital one. Capital one is blocking access to my account and I can not fund my account. Not asking for much ... only a few dollars per week.
Consumer complaint received 2018-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

i did not authorize this company or any affiliates to pull or inquire on my credit report. I did not request service or nor did I try to obtain service with said company. I called company sent a letter as well as the Transunion Credit Reporting agency. Please correct and remove the inquire off my report.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX transferred some of my student loans to XXXX. At that time, my monthly payment was {$0.00}. I never received any information regarding the transfer. I found out about the transfer in XX/XX/XXXX. Between XX/XX/XXXX & XX/XX/XXXX I was under an Emergency Declaration related to flooding. I contacted XXXX XXXX to ask for a deferment and it was granted. At no time did XXXX XXXX tell me that there was a change to my account and I had not noticed since I still had a monthly payment of {$0.00}. During the month of XXXX in XXXX, XXXX reported a 90+ day late payment to all three credit bureaus. During XX/XX/XXXX, XXXX applied a deferment for the period of the Emergency Declaration. XXXX will not remove the late payment notification from my credit report. I have never paid XXXX any money as of today ( XX/XX/XXXX ) and I do not owe them any money as of that date. XXXX incorrectly reported by account as delinquent even though I did not owe them any money. I have tried contacting them and they refuse to change the reporting. They reported my as delinquent even though there was an Emergency Declaration and had not made any two-way communication with me.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I attempted to check my credit reports on XXXX and on the identity verification page, I was asked questions in which all the responses did not relate to me. For example, it asked me to verify which address I've lived in and all 4 options were not my address. I proceeded to put on " none of the above '' for all the questions and was denied my credit report access.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OH)

I ma seeking a receipt of a transaction between XX/XX/XXXX - XX/XX/XXXX and XXXX XXXX - XX/XX/XXXX. This item was a pressure cooker dollar amount $ 80- {$100.00}. I called credit today and after being verified was referred to JCPenney .com.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MA)

I was logged into my TD Bank online account for my TD checking on XX/XX/XXXX. When exiting online session I was presented with online ad for the TD Bank XXXX XXXX  open a new TD savings, deposit $ XXXX in new money within 20 days and keep on deposit for 90 days to receive {$200.00} bonus. Sounded great so I opened online on XX/XX/XXXX. I made the $ XXXX deposit on XX/XX/XXXX in person and asked XXXX to confirm my eligibility for the promotion and she said I was " all set ''. On XX/XX/XXXX I sent a message thru TD Secure Message center as I did not see the {$200.00} promotional credit. I was told in a reply that the $ XXXX deposit was 6 days after deadline but that was not correct. On XX/XX/XXXX I told them to review calculations as I made deposit on day 17 before the 20 day deadline. They confirmed the calculation error and I was then told it should be credited later that night. It was not. On XX/XX/XXXX I called TD call center. XXXX said he agreed that conditions were met and didnt understand why it wasnt credited. Said he would escalate to XXXX  and it should be credited shortly. It was not. On XX/XX/XXXX I called call center at XXXX spoke with XXXX  but got unexpectedly disconnected. Called back at XXXX spoke with XXXX but got unexpectedly disconnected again. Called back a third time at XXXX spoke with XXXX who claimed there was no record whatsoever of XX/XX/XXXX call ( although I got an email Survey from TD Bank for the XX/XX/XXXX interaction ). I asked to speak with supervisor and was transferred to XXXX who now claimed that promotion was only eligible for brand new customers, not existing customers. I have screen prints of all promotion details that were presented during my online session and there is no notation that promotion is only eligible for new customers.
Consumer complaint received 2020-07-15
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Consumer complaint received 2020-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc. (GA)

The company is stating this account was open in XXXX. I filed bankruptcy in XXXX and was discharged XX/XX/XXXX and all accounts were included. I filed chapter XXXX and this company keeps posting it on my reports as a collection which is inaccurate. 


According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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.
Consumer complaint received 2022-09-11
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

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