davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
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)

I have sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have refused to block the information and do a thorough investigation even though I sent a police report, reported from FTC and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record.
Consumer complaint received 2019-03-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accredited Collection Service, Inc. (NE)

Accredited called me today about a debt with XXXX XXXX XXXX or Emergency room ... the person calling kept switching back and forth so I don't  know which. It was for {$250.00}. I asked if they would take a settlement and he started yelling saying they don't own the debt and wouldn't take a settlement. When I advised that because it was with them that meant they purchased the debt he continued to yell and by the end of the call he said he would send it to their legal department even though I offered to pay them if we could work out a settlement offer.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IL)

Hello! 
On XX/XX/2018 I was shopping at the T.J.Maxx ( XXXX XXXX XXXX XXXX, IL XXXX ) and I bought a couple of items in the amount of {$280.00}. The next day I did not want one of my items and wanted to return it ( the total cost of an item was {$190.00} ) but the store declined my item because the item was missing a security tag but they were the ones who took it of when I left the store, other than that the item had all the tags and everything and I didn't even wear it. I called Synchrony Bank about 5 times and filed 2 disputes but what they told me is that different stores have different policies and that they can not do anything about it. I still have the item and I want to return it ( it has all the original tags ).
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (CO)

I continue to get phone calls from multiple different named companies claiming that I owe debt from XXXX in the form of a Barclays card. Stating I opened the account in NY. I have lived in Colorado since XXXX and have had no credit cards from Barclays. It does not show on any of my credit reports and I have not had unpaid debt in many years. These companies that call are either named XXXX XXXX, XXXX XXXX  or ( I forget the other one ). Each company has claimed that I owe anywhere from {$1100.00}, {$1300.00} or one saying it was over {$3000.00}. All claiming that if I make a payment of half the amount owed we would settle. I have asked for information in writing, or the original debt holders information so I could confirm the debt, however none of the companies would give out that information. Each company has threatened me with " legal action ''. My last correspondence w/ XXXX XXXX ( XX/XX/XXXX ), I stated that they should send me a judgement or " anything '' in writing. I have no problem paying a debt I owe, however it is unwise to pay someone money over the phone especially when I don't recognize the debt. Scariest of all, is they told me my FULL social security number. Not just the last 4 digits. I have since put fraud alert requests in w/ the credit bureaus. Ive called the company back and they will not give me their address, they said they have no website and will not give me any more information about themselves. I asked for the company 's full name and they said it is client services for recovery solutions. I've found no information about them on the internet.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

I purchased a Hyundai vehicle in XX/XX/year>, financing it through Hyundai Motor Finance. By XX/XX/year>, I had paid off the loan entirely. On XX/XX/XXXX, I received a Notice of Clearance ( NOC ) from Hyundai Motor Finance, confirming that there were no longer any liens on my vehicle. Subsequently, I had the lien removed from my title. 

However, despite these actions, my XXXX Credit Report still indicates an outstanding balance of {$62.00} on the loan. In contrast, both XXXX and XXXX credit reports accurately reflect the loan as paid off. I have attempted to resolve this discrepancy by contacting both XXXX and Hyundai Motor Finance, but the issue persists.
Consumer complaint received 2023-11-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AZ)

Debt was disputed and deleted from credit as the debt collector could not provide requested information of what was owed. Final payment of rent was paid in full. No proof of why I am being charged XXXX no breakdown. This resulted in me disputing this charge from my credit and it being deleted. I am continuing to receive the emails and calls following the dispute being deleted in my favor. Hunter Warfield is the collector.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-11-27
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 — Their investigation did not fix an error on your report
Company: Synovus Bank (TX)

I believe the company, First Progress, has committed several individual actions that violates my rights as a Federally Protected Consumer. First, the account is reporting without my consent Pursuant to 15 USC 1681b. ( a ) Permissible Purpose. I have never given written or oral consent to furnish accounts or use my credit report for any reason. This by lawful definition is Identity theft. Second, Pursuant to Regulation Z & 15 USC 1666b. Timing of Payments, First Progress is inaccurately reporting late payments to my consumer report that can not lawfully be deemed as a late payment for any reason. Furthermore, Pursuant to 15 USC 1666d. Treatment of credit balances i am owed a refund from this consumer credit transaction. 12 CFR 1026.13 further explains the billing error violation committed by First Progress. Additionally, 15 USC 1692f ( 1 ) Unfair Practices states the collection of any amount ( including interests, fee, charge, or expense incidental to principle obligation ) unlessed authorized by agreement OR permitted by law is a violation. 

XXXX has deemed this account as verified, however who verified this account?
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've submitted XXXX requests to Transunion to remove XXXX fraudulent accounts through XXXX that were obtained in my name using my personal information, I've submitted a police report and a notarized Identity theft affidavit along with a request to validate how they are verifying these accounts and they have failed to send me proof or acknowledge my requests. This is the XXXX request to remove these fraudulent accounts from my credit report.
Consumer complaint received 2021-09-01
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. (TN)

this information reported by Experian is incorrect and had been removed by Experian and re-added to my credit record. 

I asked to get it removed through their online dispute and they have not removed the information that is not on my other two credit report with XXXX  and XXXX. 

please see attached copies that is will upload thanks
Consumer complaint received 2022-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/XXXX, I applied for a loan and I was denied because there is a repossession on my credit report I tried calling Capital One Auto Finance and they keep disconnecting the call when I am asking questions. I did find that the account is for a XXXX XXXX XXXX and the pay off amount is {$10000.00}. This information was supposed to be removed off of my account in " XXXX ''. This is old information that keeps reappearing on my credit report. I need the system to be updated with this information removed. I was told to send a CBR report to have information removed Sent that letter back and the information is still reporting on my credit report I have called Capital One Auto Finance numerous times and have received no help with this matter
Consumer complaint received 2024-05-08
Product: Credit 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. (CA)

CLAIM ID : XXXX This claim has been submitted to Chase Customer Claim Department , disputing a charge of {$58.00} to my credit card account posted on XX/XX/year>. The charge is in error because it was not authorized by me. 

I did reach out to the merchant in-person to correct this error ; the service staff has agreed that this charge should be voided ; however the charge is still posted. 

Here is the timeline after the dispute was submitted to Chase. 

On XX/XX/year>, Chase sent a notice and requested me to fill out a form On XX/XX/year>, I responded with the requested information plus supporting document On XX/XX/year>, according to Chase online banking, the dispute claim has been opened by Chase ; On XX/XX/year>, the claim was closed by Chase. Chase sent me a notice We resolved your disputes ; the result is no credit, and the investigation summary seems irrelevant to my case ; the reasoning makes no sense to me. 

I would like to exercise my rights under FCRA ( Fair Credit Reporting Act ) and file a complaint with the CFPB regarding this potential negligent FCRA violation. 

I am also requesting Chase to reopen this claim immediately and correct the error on my account promptly.
Consumer complaint received 2019-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts that I am requesting assistance on are being reported inaccurately on my credit reports with all three credit bureaus ( XXXX, XXXX and Trans Union ). I have spoken to them numerous times and submitted hand written letters for these matters to be resolved and they are affecting my credit tremendously. I have locked my credit files and requested a security freeze on my credit reports until further notice. 

In XXXX of XXXX, I noticed that the accounts I am writing to you about have inaccurate late payments on them and I have never been late on any of my accounts. There is even a personal statement that is inaccurate and now I am writing to the Consumer Financial Protection Bureau to help me in correcting this information as soon as possible. 

XXXX is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX  XXXX XXXX  XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. These accounts have had perfect payments every month every year for the history of them. 

Trans Union is reporting that : XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. 

XXXX  is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX  XXXX XXXX XXXX XXXX has 6 late payments which are inaccurate as well.
Consumer complaint received 2018-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I have been a chase costumer for quite some time with no issues. I recently ( XX/XX/2018 ) got a letter in the mail saying my account is being closed and that I should remove all my money from there. There is no reason in the letter as to why they are doing this. I called them and went to the bank and no one seems to want/able to help me out. They also refuse to give me and reason as to why they are closing my account. They also say that due to this they shut down all my credit cards which never had a late or missed payment ever. Again there is no one to talk to there about this issue either. Seeing as I've never caused Chase any problems with my credit card or bank account I don't see why they are doing this and its very frustrating that when I try to talk to them about it they refuse to give me any help or information at all.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/XXXX my customer paid for having her home cleaned the transaction was for {$100.00} around XXXX in the afternoon using XXXX  to pay. As we have normally done every 2 weeks. When I checked my Chase account the next day the funds werent deposited. I called Chase and spoke an associate he informed me that there was a 3-5 day hold on the transaction. I asked why he didnt know. I asked how to avoid this issue going forward and he couldnt tell me. I asked to speak to a manager about the issue and she wasnt able to provide any information as well. Now Im scared to have my customers pay me through Chase XXXX as I have a small business and have employees to pay on time and I cant do that if Chase randomly holds funds without notifying me. Holding funds is detrimental to my small business.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have placed a credit freeze with Equifax in XX/XX/XXXX when I set up an account with them. It was successful, however now in XX/XX/XXXX when I'm trying to temporarily lift the credit freeze they wouldn't able to process it saying they need more information from me and the only way to dispute that is to fax or mail in my VERY sensitive information including a copy of my social security card. They still weren't able to figure out what's wrong with my account and refuse to let me manage my security freeze -- -that they let me place 3 months ago with no problems. I have no issue lifting the freeze with any other credit agencies but I'm helpless right now because I am unable to manage my own credit report status and unable to do anything that involves a credit check. 

I've wasted numerous hours talking to them and all they said was they don't know what the problem is and will only commit to sending me a mail to explain the problem -- -I am moving soon and probably wouldn't even get that mail. I'm back to calling and calling and they don't seem to want to help solve the issue at all. This has been ruining my life and has been giving me anxiety over the fear of losing my identity. I don't understand why Equifax is the only credit agency giving me problems and refusing to provide adequate care. Their whole free security freeze service is a joke and the company disrespects my time and effort. It is horrifying in XXXX a company like this does not offer a secure online portal to submit sensitive information and I'm truly hurt and disappointed.
Consumer complaint received 2017-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (GA)

I disputed an amount XXXX University charged me for attending there college. This amount was removed from all credit bureaus except Experian. Experian informed me that XXXX college said they refuse to remove and they were going to increase amount and report more frequently. This is in retaliation against me of a lawsuit I won against them for false claims to award employment to students upon graduation. I have attached this lawsuit that was awarded in my favor. All reported credit bureaus have removed this debt, accept Experian who stated XXXX refused and plans to increase debt and report more frequently as retaliation against me
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgence Legal Group, PC (CA)

I have attached a letter with the details of this incident. Resurgence Legal Group is trying to collect a small debt that was paid ( principle ) from 11-12 years ago. They said they bought the old account. They have refused to give me any documentation regarding this " account they bought from another entity ''. Please read the letter that is attached. I have also attached 6 pages scanned that I got from XXXX regarding the freeze of my assets. 
Thank you for your attention to this matter as I have zero access to my money in my account with XXXX. 
Thank you, sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (GA)

In XX/XX/XXXX, NCC Business Services Inc. placed a collection with the major credit reporting agencies for XXXX on my credit report. I have reached out to them with certified letters and they still have not given proof of the debt and then when I sent a second letter to get more detail they stopped responding to me altogether and continued to report the negative remark on the 3 major credit bureaus. In their first response, they showed me a copy of a lease I signed back inXX/XX/XXXX & XX/XX/XXXX but nothing showing that I owed anything. I paid rent and moved out on the last day of my lease back in XX/XX/XXXX. I reached out to the major credit bureaus, XXXX, XXXX, & XXXX via certified letters and they refuse to remove it as well or give an explanation.
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (GA)

The only notice that I received of this debt or any attempt to collect this debt was through my credit monitoring service that indicated that I had a collections record. I researched with my bank and found that is amount was already paid to the original creditor before it was reported to my credit. This tactic is unfair- I could have provided proof that this debt was paid rather than having my credit ruined because of {$140.00} dollars.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

I noticed a lot of activity on my XXXX account and then I was defrauded through Cashapp. On XX/XX/XXXX, someone gained access to my phone and computer and sent someone named XXXX XXXX XXXX cashapp payments in the sum Of {$860.00} and {$720.00}. I immediately reported the transactions to Cashapp and my bank, XXXX XXXX. I also filed an identity theft claim. Attached. Cashapp refused to refund my money and then submitted fraudulent documents to my bank stating that I had prior transactions with this person which is absolutely false. Cashapp claims that I had sent money to this person on XX/XX/XXXX  and XX/XX/. I have evidence showing this to be false. Also attached. 

Cashapp is a haven for scammers because of the protection Cashapp grants to these individuals. Cashapp itself is a fraudulent company because of the lengths it will go to including falsifying documents.
Consumer complaint received 2023-11-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CA)

I have a gift card for {$100.00}. I tried accessing the balance through their website and via phone. The website and automated phone do not recognize the card # and there is no option to speak with anyone directly. The expiration date is XX/XX/21 but my understanding in CA is that they can not expire.