davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (AL)

To whom it may concern : After reviewing my ChexSystems report I noticed that a XXXX XXXX account is still reporting on my file. Ive expressed before that this business bank account was created without my knowledge. I have disputed this before and it was removed. I see it has been put back on my report. Since this issue continues to linger, Ive filed a formal police report and FTC Affidavit.  This notice is to inform you that I have become a victim of identity theft. Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ) I request that this information be deleted from my profile. I am 100 % willing to work with Chexsystems to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove this incorrect account from my report.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase bank closed my checking account for no reason after I was trying to send XXXX  dollars to my husband for family support. 
The entire bank account has only my credit card payment, direct deposit from my last employer and my unemployment direct deposit. The reason for account closure was not provided.
Consumer complaint received 2020-04-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (TX)

Received 6 calls from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and both are for XXXX XXXX XXXX. The debt collector has called 6+ times since XX/XX/XXXX - XX/XX/XXXX, and it is for a debt I do not owe on. The amount is {$1400.00} for a corporate AMEX owned by XXXX XXXX XXXX who was a previous employer. Also, they have submitted the collections to the credit reporting agencies.
Consumer complaint received 2018-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX is calling and harassing me over a debt this is not mine and which is past the statue of limitations, they are violating the FCRA federal laws. I am well aware of my consumers rights, I do not owe this company any money and they have not validated this debt with sending me a signed contract with their company binding me to this debt, proof that this account is not past the SOL which it is, also proof of how much their company bought this debt for, they are violating more than one FCRA federal laws. I am demanding that XXXX XXXX  stop all collection activities and harassment.
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: FORD MOTOR CREDIT CO. (TX)

XXXX XXXX has erroneously place a 30 day late payment due on my account for the month of XX/XX/XXXX. I leased the vehicle from XX/XX/XXXX and the lease ended in XX/XX/XXXX in which I made all contractual lease payments on time. My lease payments were made in full. At the end of the lease there was a balance of approximately {$4100.00} unknowingly due to mileage. I was not able to pay off the balance however I have been paying the arranged amount of XXXX per month which is indicated on the call and check I sent in ( see picture attached ). I have been sending this payment in monthly. XXXX XXXX is misrepresenting me as late on my lease payment of {$610.00} per month which is not true.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I'm being discriminated against. 

Capital One is refusing to help me on credit card ending in XXXX, but they have often helped and are currently offering my husband assistance on his card. Our scenario is identical. Same past due, same Covid 19, nearly the same balance, but they refused to help me. 

This complaint is that they have been treating me unfairly for several months. 

When my husband called for his account, his rates, bill balance, etc are all identical to mine. He gets a lot of different options, and better treatment than myself. 

Today I was refused help on my card. 

I wonder if it is because I am female? I wonder if it is because I have had to call the executive office and this is retaliation? Something is off, because I am unfairly denied any assistance. They have been very difficult in working with me, and he has noticed it too. 
We don't know what it is, but for some reason they are singling me out and targeting me to bully, harass, call even when I have made a payment, and now they are refusing to offer me Covid-19 Relief.
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 status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have been a Kohls charge card holder for many years. In XX/XX/2018, there was a mix up between mine and my husbands cards and he accidentally used mine rather than his without my knowledge. ( Did you know you guys have sent me SIX new cards in the last year?? SIX. Its no wonder he grabbed one of my SIX Kohls cards that I never requested. And how troubling that the cashier didnt ask to see an ID as the card only has my name on it and says to SEE ID. ) Due to not knowing that I was carrying a very small balance on my card, it went unpaid resulting in a negative impact on my credit score. In this time, I have not received ANY phone calls, or notices that there was a past due amount that needed to be taken care of. I was just in the store last week and used the card and nobody told me then, either!!! I had the funds to pay to small amount due had I known about it. No notices, no phone calls, nothing in the mail. I am requesting that Kohls removes this late payment from my credit report. I have been a loyal customer and without this being removed, I will be forced to close my account. I can not do business with a company who lacks severely in communication with their cardholders!
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Contacted XXXX XXXX since XXXX as it does show mortgage reporting on my credit report for the last 5 years. After several attempts via phone received letter beginning of this year but nothing has been resolved. Applied with a loan modification with them and got declined as Experian does not show a credit score. Definitely this action of not reporting my mortgage that is current is even affecting my ability to obtain a mortgage loan with them. 
I contacted CFPB on XX/XX/XXXX on this matter putting a complaint with you and received a letter from XXXX XXXX that they will be responding by XX/XX/XXXX but still nothing has been resolved in them reporting my mortgage account with them on my 3 credit bureaus.
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3900.00}
Consumer complaint received 2022-09-11
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. (UT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX XXXX XXXX Account number : XXXX Date opend : XXXX XXXX Balance : {$410.00} Contact info : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX Account : XXXXXXXX XXXX Account number : XXXX Date opened : XX/XX/2021 Balance : {$1800.00} Contact Info : XXXX XXXX  Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX
Consumer complaint received 2017-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have submitted several letters with all  XXXX  major credit bureaus in reference to an account they are reporting with  XXXX   XXXX   XXXX . Originally the creditor had the account listed as settled less than full balance that was not correct so a dispute was sent. I sent a letter to  XXXX  and they provided me with a letter stating the account was settled in full. I provided this to all  XXXX  credit bureaus but instead of correcting the problem they just added account meets FCRA requirements.
Consumer complaint received 2020-08-19
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Longbridge Financial, LLC (MA)

My name is XXXX XXXX XXXX. I have a reverse mortgage I am XXXX years old in XXXX XXXX. 
Longbridge my mortgage holder for the reverse mortgage I have. 
Threatens to call my mortgage for flood insurance. 
I put on insurance on the amount to cover what is owed. 
They want what the property value is. I put down half so I can live out my final years Iin peace. 
Have not gotten that from them. 
They threaten to call the note and or force plCe. 
It is {$500.00} a month for the insurance and {$500.00} and going up for taxes. 
My understanding is you only can require what is owed the lending institution helo me please.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2021-07-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Thaxton Investment Corporation (IN)

ORIGINAL PERSONAL LOAN - XXXX dated XX/XX/XXXX Amt Financed - {$1100.00} APR 40.47 % Finance Charge - {$410.00} Total Pymts Due - {$1500.00} Term - 18 mos 1st pymt {$100.00} 17 remaining Pymts {$84.00} Closed XX/XX/XXXX after 6 pymts totaling {$520.00} REPLACEMENT PERSONAL LOAN - XXXX dated XX/XX/XXXX Total Amt Financed - {$1100.00} APR - 40.80 % Finance Charge - {$390.00} Total Pymts - {$1500.00} Term - 18 mos 1st Pymt {$84.00} 17 remaining Pymts XXXX Paid Out - XX/XX/XXXX Received - Approx. $ XXXX for early payoff This is the result of a loan company taking a phone payment from me ( my routine method ) and a couple days later an " automatic payment '' from me that I did not go on its website to request. I was told I did. No. As a result, my checking account went negative and I was stuck with overdraft fees that XXXX  out my balance. Why would I do this at the beginning of a XXXX shopping/gift giving season? Loan officer said this could be resolved by closing out Loan No.XXXX and opening a new Loan No. XXXX that would include enough money to put my checking account back in the black. I believe that amount was about $ XXXX. I have had problems with what happened because not the norm at all. Would like to put this to rest by determining if money back from the closed loan is still due me or whether I have actually overpaid on this loan. It is just not clear to me. 

I have not talked with the Loan Officer because I consider this a very sensitive matter that requires second-party review that would satisfy my concern but possibly cause hard feelings if I am wrong. I have had a total of three loans from this company, the first being back in XX/XX/XXXX. It was a merchant installment loan and my fees/payments were lower.
Consumer complaint received 2020-07-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I received my free Experian credit report there was a charge-off in the amount of {$210.00}. from XXXX. I immediately filed a dispute w/ Experian as I had no knowledge of this account and certainly had not opened it. Three weeks later I received a reply stating the information had been verified as accurate. That is to say the account was really mine. When they " investigated '' obviously they took the word of credit-grantor w/o question. Had they bothered to do the most cursory investigation they would have found the address the creditor had used was over 400 mi. away from my current address and one I had not lived at for 15 yrs! Of course, it was impossible to speak to a real person at Experian as all the phone numbers were endless loops of voice prompts.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

My complaint is with Fifth Third Bank. On XX/XX/XXXX I talked with my personal banker XXXX XXXX about the interest being earned on our money market account and was told the rate would increase to 1.1 %. By XX/XX/XXXX, the rate still had not been increased, so talked to another personal banks, XXXX XXXX. Well, in XXXX the rate was increased, but I was not credited with the back interest we should have earned from XXXX XXXX My complaint is that we want Fifth Third Bank to honor their word and credit us with the interest we should have earned. XXXX XXXX phone number is XXXX and XXXX XXXX number is XXXX.
Consumer complaint received 2021-05-22
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: Experian Information Solutions Inc. (PA)

I have been reported on my Experian credit report as deceased. This has happened not once, but twice. The second time was XXXX of XXXX. XXXX XXXX reported an account that belonged to my husband, who committed XXXX in XXXX of XXXX, on my report. They stated the account holder is deceased. XXXX  XXXX states they sent a withdraw to Experian. I as well have disputed the deceased status. Months later, many months ... ..there has been no resolution. I can not even get a refinance through my current mortgage holder because I am " deceased ''.
Consumer complaint received 2020-04-29
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)

I reached out to the bureau several times regarding a Bankruptcy showing on my file. In their investigation they stated verified. In my dispute i requested who verified those bankruptcy cases, they did not provide me a copy or documents of whom they spoke with. The bankruptcy courts have told me that they do not verify nor provide any information to credit reporting agencies, nor do they ever validate and or confirm public records to third parties providers who collect information proving public records. Therefore I have proof the bureau has never validated or verified these inaccurate public records on my report, which tells me they are in violation of FCRA. 
Case numbers are XXXX.
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I need help with my Citi Credit Card. I have working with their dispute center regarding an item I charged. The ongoing dispute : the merchant I purchased a washer/dryer from, sold me a " new and working '' item, but it was installed broken, and although I have proof that the merchant gave me a refund and return option, via saved XXXX conversation, the merchant says it was an " as-is '' broken item I purchased without a right to refund. 

My issue with the Citi Credit Card dispute center is one, they are not representing my interests and two, have now closed my dispute due to " lack of response by myself, XXXX XXXX ''. I did respond, within the time frame and have proof. 

The dispute department and myself have been communicating via email. On XX/XX/XXXX at XXXX XXXX   CST, XXXX XXXX asked me to supply two additional items by XX/XX/XXXX. I replied on XX/XX/XXXX at XXXX XXXX, within 3 hours of the request, and I have a copy of the sent email. Yet, today XX/XX/XXXX, I received an automated notice that my dispute was closed due to a lack of response. 

Citi Card Dispute department does not communicate via phone, unless you are requesting to withdraw your dispute. Additionally, the two additional items XXXX XXXX asked for, she already had. She requested a copy of the sales receipt, which the merchant supplied and again, a signed document with my reasoning for why I think the washer/dryer is defective. The dispute department already had that information, but I continued to oblige. 

Yet, without consultation, my dispute was closed. I have asked for a supervisor to contact me and re-open my dispute, but have heard nothing. This is really absurd since I did reply, and what they said I didn't supply, they already have had for months. Citi Credit Card dispute department has been working on this dispute since mid-XXXX!!!
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

A card was open as a result of identity theft. When I discovered the fraud I file a FTC report and disputed the account. It was blocked my report but later Comenity bank Victoria secret came back and placed it on my credit report. They stated it was up to me to figure out who did and try to get the person to confess and transfer the debt in their name. I also ask for the copy of the original contract and they have failed to provide it to me. I will like this company be help responsible for the action.
Consumer complaint received 2020-04-29
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. (TN)

On several occasions I have sent several letter to the credit bureau explaining to them that accounts showing on my report is not mine. Each time the bureau would reply and state verified. I have ask them to show proof and verify the account is mine, such as contracts, signature. By law they have to show me proof if they are reporting this on my credit file. They are not removing the accounts. This is hard on my life and now in a pandemic covid 19, I can not get any assist with these errors. They have failed 3 times to show me their method of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2021-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Elevate Recoveries, LLC (TN)

Elevate Recoveries , LLC reported a mark on my credit file regarding a debt. They reported false statements on their letter stating they are licensed in Tennessee. This mark should be removed. They have misrepresented the Tennessee Collection Service Board of the Department of Commerce and Insurance. They are violating State licensing requirements.
Consumer complaint received 2020-06-30
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. (NV)

The following account does not belong to me nor should it be reporting to my credit file. I'm demanding that this unauthorized and unknown account be removed and blocked from my credit file. 

1 ) XXXX XXXX {$300.00}
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (NY)

Paypal is trying to charge me XXXX, but I never in my life have used there service 's, starting in late 2017. They started contacting me trying to get my identity, and I wasn't going to give them my information because I never used them. There was no billing in the mail from Paypal and I just got a bill from a place called XXXX XXXX XXXX 's XXXX and They put it on my credit report, with no contact or billing sent.