davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (MD)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The XXXX and XXXX XXXX Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

1. EOS CCA XXXX Balance {$170.00}
Consumer complaint received 2018-02-06
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help me
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

I got a Home Depot credit card around XX/XX/2020. I used my credit card and pay off in every stamens, I start getting calls they said from XXXX XXXX saying that I owe money to Home Depot, so was weird and I contact Home Depot and they told me that I dont have any balance ; I notice that my credit score was going down, so I decide to request my credit report and I found that I have 2 open accounts from Home Depot and I havent paid one of them, that account was open on XX/XX/2020, is named as XXXX/CBNA, account number XXXX account type : Revolving Charge Account, on XX/XX/2020 has a balance for XXXX. Has a XX/XX/XXXXXXXX XXXX XXXX, SD XXXX. This account its not mine. I called XXXX  and they suggest me to contact you, thank you for your attention.
Consumer complaint received 2018-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX California XXXX XX/XX/XXXX CHASE AUTO  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Chase Auto Loan Account Number : XXXX Balance : {$7800.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : CHASE AUTO I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 

XXXX XXXX XXXX, XXXX Without Prejudice XXXX XXXX
Consumer complaint received 2020-01-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$7500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank called me in XXXX to ask me if my address had changed ( it had not ) and to ask if I had made certaincharges ( I had not ).

Subsequently, SynchronyBank opened an investigation and closed myaccount. At the same time, they reported to the credit bureauthat my account was closed due to lack of payment, and I believe this had a negative impact on my otherwise outstanding credit score.

Leter, SynchronyBank sent me a letter stating the fraud had been resolved in my favor. 

In XXXX, SynchronyBank ( Amazon Store Card ) charged my bank account checking account {$2100.00} for changesmade on XX/XX/XXXX -- after Synchrony had closed my account. I contacted my bank and reversed those charges. 

Today, XX/XX/XXXX, I receiveda collection call from Synchronyasking for the above amount. After an hour on thephone, they said they will open an investigation '' to help '' me. Also, they still havean the fraudulentaddress in Illinois for me. I have never lived in Illinois as stated by me in XXXX. 

My main interest is to keep Synchrony Bank from continuing this kind of abuse. 

Thank you for your time and I hope to hear from you soon.
Consumer complaint received 2019-11-13
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. (ID)

My XXXX payment was due by XX/XX/2019. I made my payment by the due date but the company still reported me late. I have two different forms of proof showing my payment was received on XX/XX/XXXX. I received online confirmation and an emailed confirmation. When I opened my dispute with the credit reporting company they did not fix the 30 day late on my credit report for XX/XX/2019. They updated my XX/XX/2019 payment which is fine but my XX/XX/2019 payment needs to reflect that it was paid on time as it was paid by the XX/XX/XXXX due date.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I disputed XXXX XXXX XXXX account and it was not verified with my signature on any contract.by law, the 3 credit agencies are supposed to provide me with a wet signature for verification and they did not. This account is hurting me from refinancing my current home. I disputed this over 30 days ago and this needs to be deleted from all 3 credit agencies.
Consumer complaint received 2020-12-04
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: Colony Brands, Inc. (FL)

In XX/XX/XXXX, I applied with XXXX XXXX and ordered a product. Upon receiving the merchandise the product were defective and I returned the product. In XX/XX/2020. XX/XX/2020 I received a call from from XXXX XXXX says that I owe their company {$47.00} for the shipping and return of the product. I explained to the rep that the product defective and I returned it and didn't agree with the charges and that's when I were told that I would be given a credit of {$47.00} the amount owed and didn't have a balance. In a rebuttal of me asking for the credit they company added another credit inquiry one my report on XX/XX/2020 in my XXXX credit report I called XXXX that showed on my XXXX account for XX/XX/2020 and were told they pulled my credit for XXXX XXXX and I need to call the credit bureau to have the account removed from my credit. I called XXXX and were told they couldn't remove the inquiry with it shows 2 times in on month just call the company and they can electrically removed and that they would make adjustments. I called XXXX XXXX and were told by the account manger by the name of XXXX XXXX she said she didn't see that my credit inquiry twice nothing she could do after being placed on hold for over 50 minutes.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CT)

Second PPP. Wells Fargo has not updated their application to reflect the changes the Biden administration enacted. I received the second PPP but am eligible for more money since the application should not be based on line XXXX from the Schedule C. The Biden administration has updated the application to assist businesses who do not have a profit and should be based on gross sales.
Consumer complaint received 2023-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

XXXX XXXX has an active false {$1400.00} debt for collection with THE CBE GROUP and the latter has reported it to XXXX as shown in my personal credit record. I have never had any contact or business relationship with XXXX XXXX  or with THE CBE GROUP. They are damaging my reputation and my opportunities for credit with information that they know it is false and does not pertain to me at all. They are abusing the credit reporting system to hurt me and to try to collect money that I have never owed to any of these two companies. THE CBE GROUP is acting with malice and has no evidence of this false debt being mine.
Consumer complaint received 2018-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

I recently received notification that my credit score had changed. I immediately checked with credit reporting agencies and found that my credit history with XXXX   includes a derogatory mark reported on XX/XX/2017 by a collection agency identified as Commonwealth Finance. The debt claimed is in the amount of {$1100.00} ; the original creditor is identified as " XXXX XXXX  ''. XXXX  would not provide any additional information. I have no knowledge of this activity and I was not aware of this alleged debt, nor have I ever been contacted by Commonwealth Finance, XXXX XXXX, or any other party regarding an outstanding account balance or debt owed in this or any other amount. As a result, my credit has been damaged without my knowledge and without the opportunity to dispute or otherwise rectify the situation.
Consumer complaint received 2018-02-06
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: AMERICAN EXPRESS COMPANY (CA)

On or about XXXX of 2017 we XXXX vacation trip with XXXX XXXX. XXXX XXXX is an online travel agency. They lured us under false pretenses and purchasing a vacation package only after did they charge us did they explain to us their refund policy which was no refund at all under any circumstances at any time. Also went to their website which does not have their vacation refund policy posted anywhere. Contacted my credit card company American Express, American Express is ruling in favor of them despite the fact that XXXX XXXX offered to partially credit my account. American Express has advised me to dispute this process and this charge which I have done now 13 times and they keep coming back telling me that I owe the money. I asked them if they felt that it was morally and ethically correct to be charged for something in the capacity that I was and they will not provide a clear end definitive answer. Been a customer with them for 15 years with impeccable payment history
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX of XXXX my account with Capitalone was frozen then closed. From calls I was able to ascertain that this happened because of a wire that was sent to me from XXXX XXXX. My company XXXX XXXX XXXX had been purchasing for the for some years, however in XXXX I allowed the company to become dissolved due to a dispute with a partner. As a result I no longer had access to the business account of XXXX XXXX XXXX but I continued to work with XXXX. They sent their wires in my personal name to my personal account, but for some reason in that transaction in XXXX they attached the old name of my business as well. 

Capitalone then froze the account and despite my calls to them would not speak about the matter citing their investigation into the matter. After several months of waiting, I finally managed to get some information and reference number for the case. They claimed they were waiting for a response from XXXX 's bank. XXXX denied any contact from their bank about this transaction. At this point on XX/XX/XXXX, I sent an email to the investigation unit of Capitalone, providing them documentation that I had formed the XXXX XXXX XXXX XXXX, as they said they were unable to find any evidence that I was affiliated with that business. I never received a response to my email but when I called back 2 weeks later I was informed that they had determined that they would return the funds to that sender. According to their records the money had been returned to the sender as of XX/XX/XXXX. 

To this day XX/XX/XXXX, XXXX has not had that payment returned to them. The amount of money, {$22000.00} is not insubstantial, and I had to take loans to keep my business commitments. But unless this money is released to myself or XXXX, this represents a significant loss that my business can not sustain.
Consumer complaint received 2021-01-23
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. (GA)

Between XX/XX/XXXX and XX/XX/XXXX, I have sent in excess of 4 certified letters and submitted several online disputes requesting that the credit reporting agency present validation of the bankruptcy listed on my report. Over the last 2+ years I have not received the requested information. My request is valid according to the FCRA and I should have received the requested documentation by this point. My credit report is continuously updated with the statement that the bankruptcy has been verified. 

The agency also has not provided the method of verification in accordance with Section 611 ( a ) ( 7 ) of the FCRA. XXXX is prohibited from reporting information concerning my file, so the agency could not have verified the bankruptcy this way. I have also attached documentation from the court that indicates they do not provide information to credit reporting agencies, so I am further befuddled as to the methodology employed to validate the bankruptcy. 

If this negative item is not removed I will be filing suit pursuant to Sections 616 and 617 of the FCRA to pursue remedy for the effects of this adverse reporting.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (GA)

I cosigned for a loan from Bridgecrest with my daughter in XXXX 2021. THe car was totalled in XX/XX/2021 and the insurance paid Bridgecrest over {$12000.00}. THe balance is to be paid by XXXX through a GAP insurance policy and Bridgecrest was aware of this. XXXX and Bridgecrest both are very slow processing payments and claims. Out of nowhere without warning, I received a credit alert that my score dropped more than 40 points for a 30 days late payment from Bridgecrest after they have received {$12000.00} from the insurance company. Bridgecrest is aware that the car is totalled and XXXX is processing the GAP insurance policy that was submitted XXXX XXXX, 2021. I am trying to refinance my home and this practice from Bridgecrest has hurt my family and I seriously during this time of Covif pandemic and I am a XXXX XXXX. I need my credit report fixed immediately.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX  is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by XXXX XXXX XXXX. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to address an issue I have discovered on my credit report with your bureau. After reviewing my credit history, I noticed that there are late payments recorded on my account. I am writing to dispute this late payment and request its removal or correction from my credit report. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-11-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I get phone calls everyday demanding repayment, I never opened an account with this company yet they demand I pay them. 

The company is called Portfolio Recovery, I have blocked their numbers but continue to be harassed. I believe they are selling my information to other scam companies in attempt to get me to pay. I want them to stop and cease. 

Company phone numbers are as follows for the month of XXXX so far. 

( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TN)

A delinquent trade-line from the company XXXX XXXX XXXX for {$3100.00} still appears on my Equifax credit report despite the fact this account is not mine, the other credit bureaus have removed the account, I have disputed it, and no proof has been sent to me that this account even exist. I am not sure why Equifax would let this happen as I have contacted them multiple times telling them this. They won't let me dispute this item online for some reason. Please help!!
Consumer complaint received 2020-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (AZ)

On or around XX/XX/2019 Psypal stayed notifying me of some sort of item that someone had sold using my psypal account. I immediately replied to the emails stating I had never ever sold anything on my account and didnt even know how to. Only to find out later no one answers or reads those replies I sent. Was told I need to go on my account to resolve. After many attempts and their site not being user friendly, and trying g to reach them by phone to no avail, I have up. They then eventually added an {$800.00} charge to my account and demanded I pay for it. I am now being harassed by them by email and phone to pay this fraudulent charge to my account. I have no idea what to do next and they are charging me interest. I did have a balance on my account at the time they suspended it and before this charge was added .... which I will gladly payoff once the correct amount is billed and my account reinstated.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One closed my new account after I tried to make payments through my bank. On their end, Capital One had my name spelled wrong from my correctly spelled application. When they tried to submit for payment to my bank, which I authorized, it automatically rejected them because of the typo. I informed Capital One of the error and they claimed to have fixed the typo to correctly match my information, so I tried again. The bank rejected it again and when I spoke to representatives, they said Capital One submitted the exact same information and did not correct the typo, so the system automatically rejected them again. But Capital One still closed my account for their error. I tried to resolve this with Capital One and have the account reopened, but was not able to. I continued to pay on the closed account bill even though they were at fault for the error, and have made payments since, except for last month ( bill due XX/XX/2018). Yesterday ( XX/XX/2018 )  they filed with the Credit Bureaus, claiming I am 60 days behind, even though I paid the regular bill for the previous month. And they have tacked on fees bringing my bill back up to the original credited amount of {$300.00} even though I have paid {$200.00} on the bill so far ( I only used the original {$300.00} ).