davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2018 I saw that my car insurance had sent over a payment to Chase of {$170.00}. I called XXXX and asked if they could reverse the payment and they said that they couldn't because it was pending by my bank, however I could call my bank and have the transaction reversed, and if that happened that they would not resend the payment again until I called them. After that I immediately called Chase and told them that I had spoken with a XXXX representative and I asked them to reverse the payment, they told me that it would not be a problem since I had already spoken with XXXX and the payment was still pending. I looked in my account and saw where the Chase representative had reversed the payment. Today, XX/XX/2018 I receive an email alert stating my account was overdrawn by {$130.00}. I called Chase and was told that they did not see where the payment had been reversed and that they did not see any record that I had spoken with anyone. Chase is famous for waiting for the money to go into an insufficient status before they start processing payments. I had about 8 items that I made transactions for from XXXX XXXX that did not show up until a week later although Chase had them paid on my transactions, later on in that week they have now been set to another date rather than the date originally done. These payments are taken out, and it appears that they have been paid the balance reflects this however I have been told that they don't actually process until the payment is made which inadvertently has the customer thinking that something has been paid when it actually wasn't and that the balance that is posted actually isn't correct. 
I also spoke with Representatives from XXXX who stated that they never received anything stating that the payment had been reversed and that the payment was not made. 

I do not believe that Chase should continue to take advantage of consumers and misleading them just to be able to charge them a daily {$35.00} insufficient fee which could add up to hundreds of dollars. 

I will make sure from this day forward that I have documentation and proof of Chase 's unfair practices since records seem to disappear from statements. I watched the transaction be removed on Sunday, here it is Tuesday, and there is nothing proving anything I have stated, not even a recorded call.
Consumer complaint received 2018-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I called Transunion yesterday to submit a dispute regarding the inquiries that are present on my Transunion report that I do not recognize and did not authorize. The customer service agent repeatedly denied my request to initiate the dispute over the phone. I want Transunion to investigate the inquiries present on my report that I did not authorize.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION ()

Since last XXXX, I have been having problems with my capital one credit card. 

They, without reason, blocked my personal and corporate credit card of my company and also access to my online account. 

After many complaints, I have not been able to solve it since capital one needed to verify my identity, sending a code to my cell phone. The issue is that I don't live in the USA and I don't have a phone in the USA. 

According to capital one, it is the only way to verify my identity. After filing a claim with the Consumer Financial Protection Bureau, I got them to call me on my phone ( in XXXX, where I reside ) and they gave me the opportunity to send a photo of my passport ( the only document that the United States government requires - Migration Ofice - to enter the country ) and my account and credit cards were restored. 

But now, again without cause and surprisingly, my cards and access to my online account were again blocked. It really is a real nightmare since I have been a client of Capital One for 18 years, with an excellent record. 

In addition, due to the covid-19, I have had to return tickets, hotels and XXXX that I had contracted for XXXX, so I have a balance in my account, which I can not use. I request that the problem be solved by unlocking the credit cards and access to my online account
Consumer complaint received 2019-11-01
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: WELLS FARGO & COMPANY (FL)

Wells Fargo did not report any of the payments after XX/XX/XXXX. All payments were made on time until the account was paid off by XXXX XXXX in XXXX. This gives the impression that the account was LATE or " Potentially Negative '' from XXXX XXXX. 

This is in direct violation of the FCRA. The account was re-affirmed in XXXX and paid in full. 

Wells Fargo sent me a letter that reporting is correct when it still is not. 

XXXX, XXXX  and XXXX all three have failed to dispute correctly and are in direct violation of the FCRA.
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

A company I paid off in XXXX named Portfolio Recovery Associates ( they were called XXXX XXXX at they time ) continues to call me from phone number XXXX. I have called this company 5 times and was told my name is not in their system as owing any money to them but I continue to receive calls. I even had them send me a paid in full notice to prove I don't owe them anything. On XX/XX/XXXX at approximately XXXX I received yet another call. I called the company back and spoke to XXXX XXXX who told me they have no record of their system calling me but she found my phone number ( XXXX ) under someone else 's name. XXXX made it sound like I was lying about receiving the call. This has become harassing because I work from home and the calls disrupt my daily workflow when I'm on conference calls. 
Please help, I don't know what else to do.
Consumer complaint received 2017-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (CA)

I was reviewing my credit report and I saw there was a {$100.00} debt from a debt collector for a co payment that I owe. I was shocked because I never received anything to pay the {$100.00} and no attempts to call me before they will report to my credit. I thought the debt collectors have to send you something in writing before they can do anything and give me the option to dispute if I choose. I received nothing!!!! I think this would be a violation of the FDCPA.
Consumer complaint received 2022-03-10
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. (GA)

My name is XXXX XXXX and I have previously been a victim of Identity Theft. I recently disputed an account that was originally XXXX XXXX XXXX  XXXX XXXX ... .account # XXXX ... ... this account was proven to be fraudulent and has been removed from my CREDIT REPORTS several times and they keep fraudulently putting it back. It has now been purchased by XXXX XXXX XXXX one of the slimiest collection companies/debt collectors around. But this is the SAME ACCOUNT that was proven to be fraud so the XXXX XXXX purchased a FRAUDULENT debt and has now put in on my CREDIT REPORTS again!!! all the bureaus did was update the account they did not REMOVE IT AND DELETE permanently as it should. I really think it's time to file a LAW SUIT ... ..this grimy collection BUREAUS NEVER do their jobs and protect us the consumers.
Consumer complaint received 2017-08-11
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. (TN)

XXXX XXXX, XXXX Transunion Gentlemen : Please be advised that as a result of my continual efforts to get my credit bureau file corrected, the following issues have not been adjusted : 1 ) XXXX XXXX is still showing a balance on my account. I have attached my communications with XXXX XXXX ( see attachments ) since my last dispute, however XXXX is the only party not removing their account from my credit file. Based on my opinion this appears to be a form of EXTORTION. I had someone dumped into my credit file and XXXX rectified that issue, except for the charge offs. I have gotten all the charge offs removed except XXXX. Please note that only my name can be used to apply information to my credit file and I recently had a fraud alert placed on the account. This issue has created a hardship for me in many ways, including much higher premiums that are not justified! If necessary I have the original envelope and letter that can be scanned and forwarded electronically, that backs up my claim. Please let me know if this is required. 2 ) There are closed accounts still showing from years ago. 3 ) Recently, I used {$500.00} to {$600.00} in credit card usage, well within my credit limit, and suffered a 30 point credit score loss. It was paid within the allowable timeframe and has not been readjusted to the original credit score. Is someone trying to extort something? Please review my issues above and correct my credit file and credit score to more accurately reflect my payment history and credit standing.
Consumer complaint received 2023-05-31
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I've been getting harassing and intimidating phone calls from CCS Collections for some time now and even after I told them that I DON '' T OWE THEM ANYTHING they continue to harass me with unwanted phone calls. I did speak to someone on XX/XX/21 number XXXX but the harassing phone calls continue. They also made harassing calls on the following dates with the following numbers : XX/XX/21 XXXX, XX/XX/21 XXXX, XX/XX/21 XXXX and XX/XX/21 XXXX. They know that I don't owe them anything yet they continue to harass me and my family with these unwanted phone calls. I am XXXX and XXXX and I don't need any added stress. I WANT THESE PHONE CALLS TO STOP!!!!!!!!!!
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX   XXXX XXXX XXXX {$230.00} not mine XXXX not mine XXXX not mine XXXX XXXX XXXX {$1900.00} not mine
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-08-07
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. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX  ( Original Creditor : XXXX THE XXXX ) XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$220.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX XXXX {$420.00} ; XXXX XX/XX/2021.
Consumer complaint received 2024-05-16
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (WI)

On the date XX/XX/2023 I opened an account with MACY 'S and I bought an item that costed {$200.00}, later down the line I paid the minimum amount required for the month, and in the same day I decided to just pay it in full instead. About a month later I see that my credit score dropped a massive XXXX points, after many disputes and emails MACY 'S finally tell me that they charge an extra {$2.00} whenever you don't pay your amount in full the first time. They did not tell me or notify me about this in anyway whatsoever by mail or email which caused a missed payment for the month of XXXX,
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Phoenix Financial Services LLC (PA)

This is a hospital bill/worksmans comp bill, that first off Im not responsible for, also the second collection agency going after me, each time they sell the claim my credit goes down more!!! Its not fair that each time my credit score is affected
Consumer complaint received 2019-11-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
Consumer complaint received 2019-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER REVIEWING MY CREDIT, I HAVE IDENTIFIED SOME INQUIRIES LISTED THAT WERE NOT AUTHORIZED BY ME, PLEASE HAVE THOSE INQUIRIES REMOVE FOR THEY HAVE BEEN INACCURATELY PLACED ON MY FILE.
Consumer complaint received 2020-05-22
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. (GA)

There are items that are reporting that does not belong to me. Please remove the following items : XXXX XXXX XXXX  - Date Opened XX/XX/2017 Incorrect Address : XXXX XXXX XXXX ( Transunion and XXXX ) Incorrect Address : XXXX XXXX XXXX  ( XXXX )
Consumer complaint received 2020-05-22
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. (NJ)

SENT ATTACHED LETTER ON XXXX, DOCUMENTED AS RECEIVED ON XX/XX/XXXX ( ALSO ATTACHED ) YET AFTER OVER 30 DAYS, NO INVESTIGATION RESULTS FROM TRANSUNION. BY LAW, THE NEGATIVE ITEMS DISPUTED MUST NOW BE DELETED FOR FAILURE TO INVESTIGATE AND PROVIDE RESULTS.
Consumer complaint received 2023-05-31
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. (FL)

Reporting agency Equifax is reporting a fraudfully account on my report that does not belong to me. 
XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$12000.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX I disputed this account and i would like a through investigation on this account.
Consumer complaint received 2023-01-24
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) (NJ)

Please see attached complaint and supporting documentation which includes my identity verification documents as well as an identity theft police report signed by a law enforcement officer.
Consumer complaint received 2023-05-31
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. (CA)

XXXX XX/XX/2023 made an inquire on my credit report, not autorized by me spoke whit XXXX XXXX XXXX, they don't no how they made inquire to my account seen they cant find any of my information in there system, but in the meantime they cant remove that inquire or report to the credit reporting agency 's , that this is not mine inquire
Consumer complaint received 2020-10-12
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 (MA)

I was told to send in a letter along with a copy of my payments. I had made an agreement in XX/XX/2019 regarding payments while I was hospitalized unexpectedly and still made my payments. I was told by the rep I spoke with XXXX that the fees would be waived and to keep paying what I could as long as I made payments which I did. I was told nothing would be negative to my credit yet this creditor who I was told would help has done nothing to help correct these late payments or missed payments which are totally incorrect and were not late and still have not been corrected.
Consumer complaint received 2019-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

My local XXXX XXXX XXXX collector issued a refund of past taxes for years XXXX and XXXX. At that time, I had a mortgage with XXXX so the tax collector sent my refund to XXXX. XXXX recognized that they had sold my mortgage to PHH and sent the four checks, totaling {$3500.00}, to PHH.l I have contacted PHH numerous times to include three faxes sent to XXXX and a registered letter tot heir Customer Research Department asking them to send me my tax return. ( inquiry numbers XXXX ( 39 ) and XXXX ( 66 ) They have sent me a fax and a letter saying they are unable to locate my account. I sent them copies of the checks that XXXX ( XXXX ) sent them. They say they have no account number for me and are unable to locate the funds. 
I do not have an account number with PHH but have provided the property address and my social security number.

They have my money and I would like you to help me get it back. In addition to what I state above, I have spent hours on the phone and they say I can't speak directly to the Research department nor do they have a direct phone number. They only have a fax number. Please help me.