davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have never had a balance on my credit cards. I paid them off way before the due date, leaving a {$0.00} balance when it's reporting to the bureaus. 
These 3 bureaus are reporting random balances that don't exist. My score has increase dramatically due this mistake. 
They first reported a high balance of {$95.00} And then decreased that balance by {$180.00} I even submitted my statement proven that I had no balance. 
This is so unfair. I finally decided to build my credit and the bureaus are reporting false information ...
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Hi, good afternoon, I have original open a dispute with Wells Fargo Bank on XX/XX/XXXX under claim numbers # XXXX & XXXX. no purchase Intl Authorization on XXXX XXXX XXXX , original I made my vacation reservation with XXXX for my plan vacation I was the charge for the rental car for XXXX . I have my email for XXXX with my original reservation for my travel plans. according to WellsFargo, the did not open my claim dispute until XX/XX/XXXX or it was not assig to a representative to work on my claim until then. According to their guidelines, the have 10 business days to open the dispute and review the information the original dispute was done online on XX/XX/XXXX. according to Wells Fargo, it was open XX/XX/XXXX according to them they notified visa the merchant they have by law 45 days for XXXX to respond regarding the issue. XXXX respond on XX/XX/XXXX
Consumer complaint received 2022-09-11
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: Bread Financial Holdings, Inc. (TX)

noticed an interest charged on my account with XXXX XXXX XXXX administered by comenity bank account XXXX they advised that i did not pay the account in full or on time. the charge looked strange, i disputed via the phone and was told by a manager that the interest would stand. i went into the store to find the transaction for XXXX purchase date XX/XX/2021, the store advised no charge on file, i called comenity bank to dispute and was told that due to their conversion they were unable to dispute it and the charge would remain. i have attached the statement, the charge of XXXX is invalid and i am asking XXXX XXXX to correct this, remove the interest, and refund me my money
Consumer complaint received 2020-07-15
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2020 I purchased and airline ticked with my Chase Credit Card on XXXX. The flight was scheduled for XX/XX/XXXX with a return on XX/XX/XXXX. Due to Covid 19, and border closures, that Airline canceled the flight. 

The amount paid for the ticket and is {$860.00} XXXX {$860.00} I disputed the charge with a credit company because the airline did not want to provide a refund. In the beginning, the amount was credited back to my account, but on XX/XX/XXXX the Airline sent a bogus response to the credit card claiming that the ticket was valid and it looked like they were claiming that the flight took place. This already seems like a fraudulent tactic by the airline. 

At this point, Chase sided with XXXX and added the charge back to my account including interests. 

I have provided chase with all the documentation needed to resolve the dispute in my favor, but they have declined to return my fund on two occasions, claiming that they can not do anything on their side. 

I have also contacted XXXX and they claim that Chase has already taken the funds back. They have also denied issuing a voucher. 

I would like you to assist me in getting a refund for the full amount from Chase or XXXX.
Consumer complaint received 2020-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (FL)

Stop and cease all contact methods!!!! I didnt approve the opening of this account. Someone opened the account with all my information. STOP SENDING LETTERS, YOU ARE VIOLATING MY RIGHTS UNDER THE FCRA REQUIREMENTS.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AR)

I had received my replacement reliacard in the mail and activated it and began using it with no problem. On XX/XX/XXXX while trying to make a purchase in store it wouldn't accept it and said invalid card. Called the number on the back of my reliacard and spoke with a rep who informed me my card was made inactive due to an address change and that I needed to fax a copy of the front and back of my ID and a piece of mail with my address on it to them. Enlarged by 200 % and 2 shades lighter than original. I never did an address change or requested one but on the following day XX/XX/XXXX between XXXX and XXXX I went to the local branch library and paid to fax the documents that the rep said I needed to fax. Ive called from that day every day to today XX/XX/XXXX and finally got to speak work a supervisor and was told they had not recieved my fax and I need to fax in the documents and card ID number again and then not to call back no sooner than Friday maybe Tuesday.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was XXXX, and when I was released I checked my credit score to find out there was a credit line taken out with capital one and maxed out. I disputed the transaction and they concluded that the account belonged to me.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (NE)

I was selling products through XXXX and Paypal for my XXXX XXXX XXXX. I started selling XX/XX/2020 and on Friday was hit with an account hold where my {$6000.00} in funds from sold items was held because they said I violated " User Agreement ''. I read the terms and didn't see anything I did that violated that. I sold some items, but all were okay with XXXX and everyone was previously listed on XXXX by someone else with no problems. 

Paypal is holding my {$6000.00} for 180 days at least, and won't return my messages and won't call me even though I've requested it. As a new XXXX I really could use this money, I don't believe I did anything wrong at all. Their resolution center just said there's suspicious activity so they shut me down. To top it off I have items now that I'm getting negative reviews on because people won auctions but can't pay for their items.
Consumer complaint received 2020-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (CA)

Please see emails attached for dates and times. 

I have been denied access to my statements after making numerous requests. But, have been XXXX  for several months so there should not have been any transactions other than small bills like XXXX All of my funds that were fraudulently removed from my account returned and then this account closed. This bank should not continue to operate if this is a common practice to ignore customers and deny access to their own accounts. I almost lost my life and was released from the hospital to finish recovering in isolation but had no money to pay for shelter, food, medicine, etc. Every attempt to contact MoneyLion was flat out ignored. I could have died if an agency hadnt stepped in to cover my expenses while sorting this issue out. And considering my family is a military family and front line workers, they showed very clearly how much my familys sacrifices actually mean ... .nothing at all. I want this bank closed and all of my money returned. Tax return and monthly SSI benefit payments. 

unsure, but this is the date that I was told that my account was closed due to having a negative balance ... which it should not have had. I had been requesting access to my account and made several request prior to this that if my request not been ignored, I could have brought my account back into good standing and my account would still be open for me to figure out what activity has occurred fraudulently while I was XXXX  with XXXX. Yet, MoneyLion ignored my numerous request for assitance.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Americas Car-Mart, Inc. (TX)

Colonial Auto Finance ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba Car-Mart of XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LEADER ONE FINANCIAL CORPORATION (IL)

In XXXX of this year I applied for a home mortgage loan. My relator sent me to this company because she has worked with them and other companies before. I did not know the ins and outs of loan and processing or anything. This company as well as the company they transferred my mortgage over to are companies to help build your credit. The thing is I already have a great credit score. One thing I was never told is that I have two loans. I never knew they had me take out a second loan and it was done without me even knowing vs just giving the original amount and having me find a home less than what I got. The home was not worth what I paid. I did not know too much about anything. I just want this company and the relator I had to know what they did was not right. I just don't want this happen to anyone else. If I could take back anything, I would have never said yes to this relationship with any of the people who helped me.,  because they did a horrible job.
Consumer complaint received 2019-05-22
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)

Equifax REFUSES to unlock my credit file. My potential new employer needed to access my credit file for a financial fitness check. Since they employer could not access the file after 6 days, they had to move on with another job applicant. So I lost out on my new job opportunity. This is really frustrating that Equifax can't simply remove the lock on my Equifax credit file. I NEED THIS LOCK REMOVED IMMEDIATELY!!!!!!!!!!!!!!!!!!!!! This has been going on for way to long. Equifax need to remove this lock. This is causing me a lot of damage.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Two accounts with this company were open and abused without my authorization or consent or even knowledge while I was incarcerated. As soon as I found out I had written this company to assure them that it was not me and prove that I was incarcerated during the dates these accounts were opened. they still report this account negatively to XXXX  and try to attempt to collect a debt from me.
Consumer complaint received 2021-10-05
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: Experian Information Solutions Inc. (NY)

Experian is allowing a creditor to break the law as it continues to report a paid off item that the bureau refuses to stop reporting. Rather than taking ownership and helping the me, as a consumer, and addressing the NY state violation with the creditor, they have instead advised there is nothing more for them to do in order to permanently remove an old record from my consumer report. The creditor has total control of what continues to be reported. The creditor has no legal right to continue to report on this closed issue. Rather, Experian needs to take responsibility, as a consumer credit report bureau and inform the creditor that it can not legally report paid off accounts after 10 years. Experian is allowing the creditor dictate how long an item is allowed to stay on my credit report even if it violates the law. This is egregious and displays weak controls and the ownership of the information that Experian is allowing to remain on my credit report. I attempted to dispute this issue with Experian but it was to no avail. Experian deflected and was indifferent on the matter. The Experian dispute ID is XXXX.
Consumer complaint received 2021-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I have paid in full a medical collections XX/XX/2020 and CMRE XXXX has reported to my all three credit bureau and they will not remove it from one major credit bureau XXXX to date. I have disputed many times and they will not remove/delete. Even with results of dispute that they are reporting accurately with a XXXX balance. they negativity reported me as i was in agreement to make payment and I was affected but COVID 19 and missed one month. I made contact with CMRE and they gad already reported to credit bureau 's so I paid the remain balance in full of {$390.00} which one was one month that I missed and they reported without making contact with me by call or mail to give me a fair opportunity to pay in full before reporting. I have been spending much expense by XXXX XXXX to help me get them to comply and remove/delete from my credit report as this as affected me by getting denied for applying for a credit card due to this error reporting. Please help me make CRME responsible for this as XXXX and XXXX  have removed/deleted from credit report. I have letter mailed to dispute from XX/XX/2020 and still either parties will remove CMRE from XXXX credit bureau. 
Please inform me who is party that is responsible for this XXXX OR COLLECTOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I trust this message finds you with a sense of urgency. I am writing to urgently bring to your attention a matter of great concern involving XXXX XXXX XXXX, a debt buyer, and their persistent pursuit of an alleged XXXX XXXXXXXX debt amounting to {$690.00}. 

Despite the confirmed removal of the aforementioned debt from my credit report by XXXX and XXXX, adhering to the Fair Credit Reporting Act ( FCRA ) guidelines, TransUnion appears unwilling to cooperate and still reflects the debt. This conflicting response exacerbates the severity of the situation, leaving me in a precarious position.
Consumer complaint received 2018-02-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

on multiple times over the past year i have asked EQUIFAX to respond to a negative item on my report that provide NO infoamtion for me to investigate further! 

all it says XXXX $ is owed wit no addesss or no number or NO COMPANY this is from XX/XX/2017 they contunue to update it monthly but never rectify or respond back to me where it is from. 

when i call them i am disconnected please someone help!
Consumer complaint received 2022-09-12
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. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2020-04-29
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. (FL)

I have been file reports fraud to credit bureu and also the compnay for years, i am taking this last action before i file a civil lawsuit this is not my account and i have spent countless hours working on this with no resolve
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
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. (MI)

I have sent in a request for information that was violating my rights as a consumer the 3 major credit bureaus. I was told that the court reported the information to the bureaus and it was very clear that it was a third party that the incorrect information was reported from. I have been communication back in forth with the court and the bureaus regarding this matter and it has caused a lot of stress for me with my credit being damaged and its not allowing me to get the full credit that i deserve.
Consumer complaint received 2018-06-17
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. (TX)

Negative credit accounts, such as charge-off accounts or collections, have a limited amount of time that they can appear on your credit report. After seven years, most negative accounts are automatically deleted from your credit report, according to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX {$3000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

These accounts below are paid off. 


XXXX XXXX XXXXXXXX XXXX {$92.00} {$300.00} 31 % Revolving Current XX/XX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status No status Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit - Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement -