davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
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: U.S. BANCORP (TN)

I am writing to US BANK because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in XXXX report prevents me from achieving the desired results. 
I am kindly requesting US BANK to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Experian did not properly investigate my XXXX XXXX. I still showing as late. I was never late. 

Experian did not properly investigate my XXXX  XXXX  account. It is showing as closed and still showing on my report and duplicate account. 

Experian did not properly investigate my XXXX XXXX XXXX XXXX. It is showing closed and still on my report. 

Experian did not properly investigate my XXXX XXXX account. It is showing as closed and still showing on my report. 

Experian did not properly investigate my XXXX account. It is showing as closed and still showing on my report. 

Experian did not properly investigate my XXXX XXXX account. It is showing as closed and still showing on my report. 

Experian did not Properly investigate my XXXX XXXX XXXX XXXX account. It is showing as closed and still showing on my report. 

Experian did not properly investigate my XXXX XXXX account. It is showing as closed and still showing up on my report. 

Experian did not properly investigate my XXXX XXXX  account. I never had this account. 
Experian did not Properly investigate my Chapter XXXX account. I never had a Chapter XXXX account.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Credit inquiry from capital One on XX/XX/2021. Did not apply for credit. 

Credit inquiry for XXXX for XX/XX/2021. Did not apply for credit. 

Inquiry for XXXX XXXX for XX/XX/2021 and XX/XX/2021. They were both loan applications. I was told if loan applications were done within 30 days it would be 1 credit pull so 1 inquiry.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to address a concern regarding my credit report, specifically inaccurate late payments listed for the account with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-10
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. (TX)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My wife and I attempted to close our bank account on XX/XX/XXXX. Due to an error, my direct deposit still posted to this bank on XX/XX/XXXX. Instead of rejecting this deposit, the deposit was accepted anyways. After accepting the deposit, the bank paid many different charges instead of showing the account as closed and rejecting the charges ( we were working with these vendors to update payment methods ), resulting in a large loss of funds immediately available funds to us.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo offered remedy payment amounts of {$3700.00} as well as subsequently, {$500.00} for damages caused by accounts opened by Wells Fargo reps which I did not need or want. No payments were received, I have since moved from my address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX Any payments sent to old address would not be received, prior Wells Fargo reps try to claim a check was cashed when it was not received. I moved from this address several months ago in XXXX, I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX Prior Wells Fargo reps referred back to prior CFPB replies which do not address issue of non-receipt of payments. Also, a mediation agreement is referred to, sent to old address, not received or signed by myself.. The last Wells Fargo rep simply referred back to prior CFPB replies which again, do not address issue of non-receipt of payments.. Further, the amounts of {$3700.00} and {$500.00} do not cover damages sustained to this date including inability to open accounts with other financial institutions due to these fraudulent accounts. If Wells Fargo would like to offer a reasonable settlement amount, I am open to it. If not, complaints will continue to be filed as they have been. I request a reasonable settlement offer which includes payments mentioned above which were never received.
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a paperwork from the US NY Marshall for garnishment of my check in late XXXX. The paperwork states that I owe a debt to capital one. I contacted the number on the paperwork and was informed to go to the police station to file a fraud report. I was advised that they are not filing reports since there is no party to file against base off my paperwork. I paid the agreed amount back in XX/XX/2019. This information reflects on my XXXX credit report and XXXX XXXX reporting. My report this morning reflects XXXX  accounts in collections. I have an email from XXXX XXXX that I paid off a collection account with 08 Capital One Bank USA N A.
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (MA)

Good Morning ARC Compliance Team ; This is unreal! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2017-12-15
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 (MO)

I paid on X/XX/2017 with my American Express for car rental in Amount {$720.00}. I used my American Express card because it has car insurance. About 3 weeks after I have return my car I had additional charge on my CC in amount {$250.00} from different company that I paid for car rental. It was probably subcontractor to original rental contract.

I have disputed this transaction and turned over to American Express Insurance for investigate. They investigated and sent me letter with information that I used XXXX XXXX  to pay for this rental, not American Express. I think it is fraud on American Express side since {$720.00} charge is shown on my statement and I have paid this charge.

American Express re-posted transaction in amount of {$250.00} on my statement. If this is true they should refund {$720.00} since they are saying that I did n't pay for my rental with American Express.

Regardless I should not spend 3 month disputing this charge
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

My HSBC bank accounts have been suspended with my life savings ( approximately XXXX ), since XXXX My online banking is also suspended. 
There were several unauthorized ACH charges, which occurred in the months of XXXX and XXXX of 2021. I have never heard nor do business with the merchant, and the beneficiary/receiver of the payment is not me nor someone that I know of. I disputed these fraudulent transactions on XXXX and filled out the written statements. 
There has been no communication from HSBCs back office since. Whenever I called in, I get the same generic message which states the transactions are in dispute, and theres no estimate time when my accounts will get restored. 
I would like the management team can escalate this issue, since my living expenses are locked up in limbo. I need a time frame on when the issues can be resolved. Further, I would like to get updated on the current disputes with the person ( s ) thats handling my case, as well as reinstating my bank accounts.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WA)

I was charge a late fee for no payment. Which was confusing to me since I have a zero APR introduction for a year. The customer service person said it was a late fee for not payment. I asked how was that different from interest charge to which I didnt get an answer other than that is different and was referred to the card agreement. 

This is misleading and shady practice by Amex. They are charging late fees for no payment, they can call it something else. Greedy companies business as usual. 

They charge me {$29.00} dollars on XXXX XXXX. 
They took no actions and charged stayed.
Consumer complaint received 2024-03-18
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: FC HoldCo LLC (IL)

In Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b A Creditor may not treat a payment on a end consumer credit as late for any purpose.
Consumer complaint received 2021-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

XX/XX/XXXX I realize when I lost my personal cellphone away on work, I also lost my Chime debit card when I got home. I called chime as soon as I realized and had all paperwork back to them by XX/XX/XXXX. I made a police report and sent them the reference number for a police report. I called 3 credit bureaus to report Incident. They did investigating in regards accounts trying to be open. The amount is in question with chime is {$3700.00}. I have called every day. I got emails saying XX/XX/XXXX for provisional credited. During this time im a traveling XXXX XXXX and I lost my assignment in XXXX at the XXXX XXXX working for the Veterans due to no funding for hotels. When the fraudulent incidents took place I was in XXXX XXXX  XXXX working. I lose my contract job. XX/XX/XXXX is when I got a email from chime stating no error concluded. Police found 3 fraudulent charges so far but cant say anything until their investigation is done. Credited Bureau found credit account trying to open in my name. Sent Chime documents proof of fraudulent and still havent got refunded as if XXXX. I also requested info from Chime. I havent received anything from them beside emails about XX/XX/XXXX. No one called me. No one asked for more documents. I sent them willing. I want my provisional credit and chime to fully investigate my case
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Healthcare Collections-I, LLC (AZ)

XXXX XXXX XXXX XXXX I have called their billing office several times. XXXX I called and they said I was paid in full. They show me as in collection as of XX/XX/XXXX. The amount is {$160.00}. After my call on XXXX I assumed when they told me I was current we were okay. However we are trying to buy a house and it still shows up as outstanding. We have never received a current bill or collection call. 
XXXX XXXX  : XXXX {$100.00} XXXX {$63.00} PAID IN FULL
Consumer complaint received 2020-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (GA)

I received an email from a XXXX XXXX regarding a XXXX XXXX XXXX  card that I have never had in my life. It states that True Accord is a 3rd party debt collection agency, working on behalf of XXXX XXXX. It states that no attorney has personally reviewed this account, if I fail to reach out to them, they may forward it to a local attorney for the purposes of filing suit. I take offense to this language very much so. Especially since the debt doesn't belong to me. I do not know who it belongs to, but it doesn't belong to me at all. I am not going to verify any information with them. They should be able to verify it, which they won't, because the debt doesn't belong to me at all. I have been a victim of identity theft for over 5 years. I am attaching my police report and nothing else.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I tried using my bank card to get gas and it was declined so I tried to pay inside it was declined. I called bank of America to find out what the problem was I knew I had {$500.00} in my account. They told me they shut my card down because of suspicious activity, when I told the employee at the bank I needed money before they turn my card off for my access the girl told me she would try to reopen the card. I was assured that I wouldn't be charged anything in fees if the transaction didn't go through. It took over three times myself and no money from ATM machine it kept saying to call my bank. The employee took over three times before finally the ATM machine dispensed {$100.00} .00 for me with the fee it is {$100.00}. When I called the automated number to check my account the next day XXXX learned that I was charged twice for the ATM transaction, it said I withdrew {$100.00} two times which is not correct I only took out {$100.00} and the fee of {$3.00}. I disputed the transaction and after thirty days my bank sided with the company who owns the ATM machine I couldn't believe my bank after XXXX years with them would do such a terrible thing to me. I'm on XXXX and need every penny I get, I was told to write a letter to ask the claim to be reopened I can't even begin to write the letter I've been traumatized emotionally and mentally about this. My statement shows when my bills were paid and how much money was left in my account which was a little less then {$20.00} an hour later I was overdrawn by {$84.00} Plus change and XXXX of my bills reversed not paid after already being paid. My last transaction to go through was on the XXXX of XX/XX/2021 clearly enough time to pay the money for my bills yet bank of America forwarded the dates to the XXXX of XXXX the same day they took {$100.00} from my account. They have stolen my money from me and damaged my credit that I was rebuilding. I can't sleep or eat can't think straight because of their blatant disregard for my money and health they have done more harm to me then just taking my money I can't function anymore because of what they have done to me. I want my money back and close my account. I found out that XXXX owns a big part of bank of America which is a private bank I learned. I don't want anything to do with them after I get my money back they sold their clients out to XXXX. They changed all my transaction dates to fit there lie. I was locked out of my online account so they could alter transactions I have printed out screenshots to prove what I say is true but there not interested in the truth because they would have to return my money. I need my money now and justice for me.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I purchased a cell phone on XXXX which arrived cracked. the seller refused to accept a return, so i opened a case with my credit card company XXXX XXXX XXXX, who put the transaction on hold with paypal. The seller agreed at that point to send the refund, so i sent back the phone, and XXXX has closed the case. paypal, however, refuses to return the funds to the seller ( who would then send it to me XXXX, since they claim that they haven't heard from XXXX that the dispute has been closed. i called both companies repeatedly, and XXXX repeatedly insists that the case is closed on their end, and it seems to be paypal which is holding the case back, as it's been stagnant for months.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (UT)

Hello. 

I submitted a {$2000.00} payment to my Citi Premier card on XX/XX/XXXX. At the time of making the payment I was told that it was applied to my available credit immediately. I later checked online and found out it wasn't applied, so I called in and was told it would be applied to my available credit on the next day. 

On XX/XX/XXXX I called and was told it still wasn't credited and was on hold until XXXX. However, I was told that I could call in after it cleared my bank and it would be applied. 

On XX/XX/XXXX I called in and confirmed that it was still on hold until XXXX. Since it still didn't show as cleared with my bank I was told I had to wait and call back when it had cleared. 

On XXXX the payment had finally cleared my bank on XX/XX/XXXX, so I called in and was told that they would not call my bank, and instead I had to wait until XXXX. 

That is unacceptable for Citibank to hold my payment for 10 days without allowing me to use it. Especially since I was told differently three different times. 

Citi must be held accountable and live up to what they say.