davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Hi, I ordered an item from XXXX XXXX online store on XX/XX/2021, when I placed the order it appeared the item should delivery on XX/XX/XXXX. On XX/XX/XXXX, I got an email about shipping information from XXXX XXXX. At the same day I was charged the item 's amount {$43.00} to my chase credit card. And then this amount was changed to " the last statement '', I could not did dispute by myself through Chase online bank. From that time to now, XX/XX/XXXX, I did not receive the item, the delivery dates were changed 3 times by XXXX XXXX, and I used the tracking no to check the shipping status, the item never shipped out! I tried to contact XXXX XXXX for cancel this order, but XXXX XXXX refused my request. Then I had to contact Chase to dispute this amount through Chase online bank 's secure message about XX/XX/XXXX, in this message I told them what happened and attached the screenshot of XXXX tracking information ( XXXX did not pick up the item ), they reply to me that I need wait one week for update. After one week, yesterday, I sent secure message to ask for this case 's update, today they reply me that they asked for me to call the disputed department 's phone no.! I got a bad experience from Chase credit card customer service! If they need I to call the dispute No., why they could not tell me when I contacted them first time. why they told me to wait for one week?
Consumer complaint received 2021-10-25
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: EQUIFAX, INC. (NV)

I XXXX XXXX give authorization for Equifax to move forward with this complaint. This complaint is being submitted by myself XXXX XXXX and no third party is involved. I sent a letter with FTC report and accounts resulting from identity theft to Equifax on XX/XX/2021, the letter was received XX/XX/XXXX. I provided identity theft report and written instruction and request to remove and block information according to federal law with evidence, The law states that consumer reporting agencies have up to 4 Business days to block information resulting from Identity theft. It is now XX/XX/2021 and Equifax has started dispute but has not removed accounts from report and are now in violation and now hold criminal liability for willing and knowingly giving inaccurate information and not complying with the law. Attached will be letter with receipt so you can check the received date as well as the Law. Page 10 is evidence of US code that Equifax is violating.
Consumer complaint received 2022-05-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a follow up from Transunion through this portal that their follow up to my previous report would take 60 days. That is unacceptable as the rules state they only have 30 days. 

Meanwhile, I am being emotionally, physically and financially impacted because I can't get a decent automobile loan because of all the junk on my file.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank ( Sony XXXX ) continues to charge you interest on balances that you have already paid in full. They claim that because your account isn't paid in full after an arbitrary date they set up on an account update then you are out of grace and as a result accrue daily interest charges even you have paid the amount in full. I also take issue with your statement not being updated in real time on their website thus make it impossible for you to pay your balance off completely without having to call and get the additional interest charges disclosed.
Consumer complaint received 2020-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc. (MD)

I already have made a complaint, on XX/XX/XXXX, against two different Ceditors, XXXX XXXX ( Original ) and XXXX XXXX XXXX ( Current Creditor ). 
The Complaint number, # XXXX. 
You have requested a Feedback on XX/XX/XXXX. 
Feedback was due on XX/XX/XXXX. 
I am sorry and appologize for being unable to make any feed back. 
I have another Threaten made by a Debt collector, " National  Enterprise Systems ", who made telephone calls, from # XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX. I contacted them and explined the Fraudulant account history and my XXXX XXXX. 
Tehn, I received another letter from the same debt collector, National Enterprise Sysems, XXXX XXXX XXXX, XXXX XXXX, XXXX. OH XXXX. PhoneXXXX   XXXX. 

I aleady have submitted the necessary information and documents, against this Faudulant transactions. I do hereby dispute this Credit Balance of {$5000.00}. 
The original creditor has misused my monthly payments made in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-10-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (NV)

1. PNC Bank closed Holders account on XX/XX/2014. 
2. XXXX XXXX left the Holder of the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an any way at any point in time. Account Holder died in this state. Medical Records Attached. 
3. Holder of the account required 24-hour, 7-day a week XXXXXXXX XXXX XXXXXXXX. 
4. Holder of account was in XXXX XXXXXXXX ON THE DAY PNC Bank closed the account Holders. Records Attached from XXXX XXXX XXXX. 
5. Holder of the account was unable to manage affairs. Letter Attached. 
6. Holder of the account was elderly - approximately XXXX years old. 
7. Holder could not communicate - PNC allowed UNAUTHORIZED family member to close Holder 's  Account. 
8. Holder of the account was XXXX XXXX XXXX to bank or XXXX   to PNC Bank. ( Obviously ) 9. PNC Bank was negligent in closing the account and failed to recognize Financial Elder Abuse. 
10. PNC Bank needs to be accountable.
Consumer complaint received 2022-05-01
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. (NJ)

I have previously disputed public records listed XXXX and XXXX and XXXX with Equifax and in response Equifax verified the items as accurate stating that they have verified the information. The original creditor in this case would be the US Bankruptcy courts. I contacted the court, and their response is enclosed. It is clear they did not furnish to Equifax or any credit bureau for that matter ; therefore, their original response verifying the item with the court was either an error or a lie. Purchasing information from third parties does not absolve Equifax of accountability. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I also submit my proper identification as authentication of my identity.
Consumer complaint received 2020-01-27
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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (WV)

LVNV Funding LLC purchased my account from XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX. The balance was {$780.00}. They reported this collection to the credit bureaus in XXXX of XXXX. It dropped the score from one agency 78 points, and 28 points for another. I contacted LVNV on XX/XX/XXXX, we settled for a lesser amount. I had been working hard to pay my credit collection debts in XXXX and XXXX of XXXX, with positive results. This raised my credit scores to XXXX for XXXX, and XXXX with XXXX. Since LVNV purchased my account in XXXX of XXXX, should've they contacted me before turning this debt over to the reporting agencies? 
I contacted them today XX/XX/XXXX. They told me they did not have to contact me after purchasing this account since it was a charge off. However they did confirm a verification of payment is being sent in the mail as of XX/XX/XXXX. Were they supposed to contact me before hand? If so, since the debt is settled, can this be deleted from my history, and can my previous credit score be reinstated? Please advise.
Consumer complaint received 2018-02-16
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: Fidelity National Information Services, Inc. (FNIS) (FL)

ChexSystems as fraudulent information on fraudulent accounts and they will not give me my credit report from ChexSystems I disputed over the phone with a ChexSystems customer service who is very belligerent and did not speak that much of English they are causing me not to have a bank account with false and fraudulent information I would like them to remove every single bit of information on my ChexSystems report every one of them it is fraudulent
Consumer complaint received 2018-02-16
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. (SC)

yes companies E open date XX/XX/XXXX 2,315 have wrote to XXXX  and disputed to XXXX as well no responds back they could not say that the debt belong to me after 4 months still shows as costumer disputes this information ... ... ... ..XXXXXXXX XXXX XXXX open date shows 2 diffirent dates not the write information XX/XX/XXXX on XXXX and closed on XXXX XXXX  XXXX XXXX XXXX open date is XX/XX/XXXX inaccurate dates and as well on experian XXXX XXXX XXXX open on XX/XX/XXXX showing closed condiction ... .. 

I would love to get my credit clean so i can start a fresh start and cant due to things like this holding me back trying to better my family and buy us a house all the information i listed upabove that the credit bureau is reporting most was deleted and put right back as thanks for all your help and hope to hear from you soon thanks
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION (GA)

I attempted to open an account in XX/XX/2022 with navy federal and had to submit verification of my ID. The account was never opened. I tried again in XX/XX/2022 through being referred by my spouse since we live together. I never received any correspondence at all about the account being opened. My spouse attempted to add me to her credit card with my SSN as an authorized user and was unable to do so as it states I have to use the access number assigned to me. I never received any correspondence about the account being opened and do not have any access number.
Consumer complaint received 2023-04-04
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A credit monitoring alert came that XXXX reported a hard inquiry using my personal info such as social security number, my address, my name, date of birth, and address by online credit application at BANK of AMERICA on XX/XX/2022. I immediately called Bank of America, reported it was FRAUD, spoke with XXXX in Security at Bank of America. I then called XXXX to report and remove hard inquiry from my credit report. I froze all 3 major credit reporting bureaus, and informed my local police dept in XXXX, FL XXXX XXXX. I'm waiting for written copy of police report to place extended credit freeze.
Consumer complaint received 2020-10-18
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. (NJ)

I have unathorized accounts on my credit report. According to the fcra any unathorized items on my report must be removed if not 100 % accurate and verifiable. Please remove from my credit report
Consumer complaint received 2024-02-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MOHELA (MN)

MOHELA has not reported updated account balances to the bureaus since XX/XX/XXXXXXXX XXXX 

Reaching them by phone has been extremely difficult and I found, through backchannels ( XXXX ), their email address and attempted to create a written account of this correspondence. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX " Hello, I would like to inquire on the status of MOHELA 's credit reporting to the credit bureaus. 

My loans have not been reported to the bureaus since XXXX XXXX XXXX 

Please advise. '' I have yet to receive a follow up from MOHELA and would like to see my accounts reported regularly to the bureaus.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I paid off my mortgage XX/XX/2020 with BECU. My escrow account balance has not been returned to me. I've made several calls with no resolution. I'm now being told they won't even cut a check until XX/XX/XXXX! They are required by law to return it within 30 days. XX/XX/XXXX will be 45 days, if they even send it out. It's illegal. It's my money.
Consumer complaint received 2022-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

transaction date XX/XX/22 {$1000.00} Link to item : http : XXXX I had my grandma who had XXXX and had trouble bringing her airway secretions out. I was trying to buy a machine that would help her breathe better and mobilize those secretions so she can cough them out. The machine is called : The XXXX XXXX XXXX XXXX. 

I found it on XXXX which is a website where medical supply stores put their items. I made an account, got in touch with the seller, and purchased the device through a wire transfer, I was doubtful, but I really really needed this. So I sent it through my Capital One bank wire transfers. 

I changed my mind because the seller was using his banks address as his address and that looked fishy. I got on hold of a Capital one bank rep ( frauds dept ) 20 minutes after wiring the money. The rep reassured me that everything was going to be okay and I should have my money in my account after 7 business days. 2 weeks later I was told by Capital one that the frauds dept representative could not contact the wire department and nothing was done, therefore chances of getting the money were basically zero. This was the reference number from that initial conversation on conversation XX/XX/22 XXXX. 

XXXX. I
Consumer complaint received 2022-05-01
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. (VA)

In Accordance with the fair credit Reporting act XXXXXXXX XXXX  Account # XXXX and 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 account without my written instructions.
Consumer complaint received 2019-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (WI)

Coach llc continues to harass me 10 years after debt. They try to garnish my wages even though I am on food stamps and SSI. 
They are attempting to charge me fines that double the original debt amount, 10 years later.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (CA)

I had XXXX  XXXX XXXX student checking account long time back and it is already closed in XX/XX/XXXX. I recently tried to open an online checking account and it is showing negative information about my previous XXXX  XXXX XXXX Checking Account which is wrong ( Please see the attachment. First of all it is showing that my Account was overdrawn on XX/XX/XXXX and pending closed on XX/XX/XXXX when both of these incidences never happened. My account was always current and never overdrawn, secondly my Account is not pending closed as I went to the branch to close it, so I have no idea why it is showing pending closed.
Consumer complaint received 2022-05-01
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: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent letters to XXXX, XXXX and Equifax asking them to provide me with verification of proof of XXXX  # XXXX and XXXX  # XXXX sent up a follow up letter on XX/XX/2021 and they failed to respond validating the reporting of Bankruptcy which is a FDCPA violation because they continued to report the bankruptcy without proof. They ( XXXX/Equi ) responded stating that they " verified '' these both case numbers/bankruptcies through XXXX XXXX and XXXX. 
I contacted XXXX XXXX and XXXX directly and court responded that that they do not share my information with any credit bureaus. XXXX XXXX sent me letter and deleted bankruptcy from their records. 
On XX/XX/2021 I sent XXXX XXXX letter to all XXXX credit bureaus ( XXXXEqui ) and showed them deleted bankruptcy, informing them that if they could not reveal how they truly verified these items then it needs to be deleted according to the FCRA. On XX/XX/2021 I sent notification with intent to file for FCRA violation and they keep responding bankruptcy " verified ''. They have once again refused to delete these items which is imploding on my ability to purchase a home and car and causing me to pay thousands more in interest every year.
Consumer complaint received 2023-01-31
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: SYNCHRONY FINANCIAL (TX)

I have 5 credit accounts that mysteriously went over to Synchrony. Naming 3, HSN, QVC, and XXXX XXXX. I just got an alert from XXXX that one of my credit lines have been reduced. It was XXXX 's. My credit line went from {$2600.00} to {$1000.00}. They run periodic credit checks and adjust your credit limit according to your XXXX score. My XXXX 's balance was {$1000.00}. Now my credit report will show a maxed out credit card, plus over limit. Unreal!!! They did this to all 5 accounts. I contacted all the companies and told them, by switching to Synchrony, you are losing a customer. All 5 did not care. XXXX XXXX was fine until I refinanced a vehicle, It dropped my score from XXXX to XXXX. I have XXXX years of perfect credit history, but that doesn't account for much anymore. Synchrony iis damaging my credit standing.I had no adverse reports on my credit standing... 
SYNCHRONY 's Response : Our Bank reserves the right to periodically check the credit history of our customers, and to adjust the credit line, or possibly close the account.
Consumer complaint received 2022-05-01
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 2022-05-01
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 an account without my written instructions