davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
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. (CA)

I have a credit card from XXXX XXXX XXXX, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX  and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I received two letters from Chase Bank stating that theyre closing all of my credit card accounts and checking account. First, I thought it was a scam or joke. I called the phone number on the letter three times to speak to someone and all three times I was told that they cant give me a reason why theyre closing my account. 

I been a loyal customer with Chase bank for over a decade now. I had a auto loan thats paid off. I have my checking account with Chase bank since XXXX. I have five credit card with Chase thats been paid on time and in good standing. Never missed a payment and currently have XXXX balance. 

Im really hurt and disappointed with Chase bank because theyre not telling me why theyre closing my accounts and all I did was be a loyal customer. I have excellent credit and make over XXXX figures. Never did anything illegal and been a honest human being. I dont mind taking my business elsewhere. I know there are plenty of financial institutions that would take my business within a heart beat. It just makes me feel now that Chase bank is racially discriminating against me because I didnt do anything wrong for them to just close all of my accounts without a legit reason.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a credit card from XXXX XXXX XXXX, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX  Equifax, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed the following listed account below and it should not be on my credit report. This has been dismissed years ago Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-11-29
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. (NV)

Someone has stolen my identity I believe from a data breach with Equifax I was apart of or when my purse was stolen 9 years ago with my ID and social inside of it. I contacted the XXXX XXXX Metro Police Dept and filed a report 2 months ago and also filed an identity theft report as well. I contacted all 3 major bureaus and filed a dispute as well and nothing has been done. I should not be held liable for these accounts that I did not open or authorize.
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (LA)

Hello, My name is XXXX XXXX. I am contacting you all concerning the Bluebird card by American Express. They suspended/ closed my card due to some member agreement being violated. They done this exact thing to be about 8 months ago with a sub account I had on my account saying the member agreement was violated. They have still yet to give me the money out of the account. Well I let that go because it was just {$20.00}. Now today XXXX they suspended my main account for the exact same reason and saying they can't do anything about it. Unlike the other account this one has over {$500.00} in it plus my spouse and my checks go to it weekly. We literally have no way to pay our bills now because they done this. I seen where many different people said they done the exact same thing to them. I just want my money and they can leave it closed I do not care. But that's alot of money they are taking for no reason. PLEASE XXXX I AM BEGGING YOU TO HELP ME.
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FULTON FINANCIAL CORPORATION (PA)

Fulton Bank has repeatedly allowed XXXX XXXX  to withdraw funds from my account despite the fact that I have told them that the withdrawals are fraudulent and not authorized. 

ON XX/XX/20 I informed Fulton the there was a fraudulent withdrawal from XXXX XXXX  for {$3.00}, and filled out paperwork to dispute the charge. I informed them that they should never allow any withdrawals from XXXX XXXX, as I do not have any accounts with XXXX XXXX. Now there is another fraudulent charge from XXXX XXXX, of {$6.00}, on XX/XX/XXXX. 

I sent a secure message through the web site a day or two ago when the charge was still pending, and told them not to allow the charge. They ignored me and allowed the charge to go through. " XXXX XXXX '' informed me that I had to pay Fulton {$33.00} for Fulton to prevent such fraud in future, and I had to come in and fill out a form to dispute the charge - despite the fact that the country is on lockdown and other banks permit electronic disputes of charges. It is not only an unnecessary inconvenience to come into the bank - it is a risk to my health and my life.
Consumer complaint received 2020-11-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION ()

Our parents had two accounts in a Regions Bank brand in XXXX ( at XXXX XXXX XXXX XXXX ) with an aproximate balance of XXXX dollars, They died at the beginning of XXXX, my brothers and I sent the documents required for the bank as the universal heritage document issued by a court of our country, XXXX, ( translated in english and XXXX ) and other documents as our parents passports and XXXX Id. 
The bank sent us an email telling that all the documents were ok and they were ready to issue the checks with the amount of the two accounts ( savings and money market account ) to us ( the universal heritages ). Just few days later they sent another email were they explained that the money of those accounts were withdrawed by a phone transfer to an account in the XXXX XXXX XXXX. So they told us that as we don't appear as beneficiary in one of the accounts we needed a letter of administration to one of us to claim the return of that money ilegally withdrawed. 
In the money market account only signed my father and my mother was the beneficiary. In the checking account signed both of our parents and we are the beneficiarys. 
The universal heritage document issued in XXXX made first the heritage procedure to my mother and then to us. 
The bank refuses to gives us the easiest way to recover the money that legally belong to us. 
The case has been managed by XXXX XXXX ( XXXX relationship Sr. consultant, phne number : ( XXXX ) XXXX and XXXX XXXX ( Vice president of Consumer Banking, XXXX South Region )
Consumer complaint received 2020-06-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A. (MI)

On yesterday the XXXX I attempted to use the app but it gave me a message telling me that PNC has made a change that prevents the app from Linking my account and I would just like this resolved as soon as possible
Consumer complaint received 2021-04-30
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: EQUIFAX, INC. (MD)

There are a series of inquiries that I do not recognize and seem to be of a fraudulent nature, I have already disputed and showed an ID Theft affidavit but they have not been removed. The Inquiries are the following : Equifax XXXX CARD XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX CARD XX/XX/XXXX Equifax XXXX FCU XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX CARD XX/XX/XXXX
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

Above, we have already reached an agreement upon settlement with a letter of deletion and they are now refusing to provide the document of letter of deletion. Settled on XX/XX/2021 and is still on your credit report.
Consumer complaint received 2020-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Went to chase atm to make a deposit, the atm malfunction and kept the money. Got a receipt stating to contact the number immediately. Went inside the bank and spoke with the tell who initiated to have a company come out and check the machine which was done in 4hrs. File my complaint with the appropriate department and was told that it's an ongoing issue and will not be able to deposit my cash until the investigation is completed and it's not a grantee that I will receive it. Spoke with cooperate who didnt seems to care much about my complaints or the fact that I have Bill 's to pay and will be charge late fees, spoiled my credit.
Consumer complaint received 2022-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (WA)

On XX/XX/XXXX I received a call from IQ Data that I had a debt outstanding. They claimed that they had sent out XXXX letters on XX/XX/XXXX + XX/XX/XXXX + XXXX. I have not received these letter. 

They claimed they did not have to go to court to collect the funds.
Consumer complaint received 2022-03-29
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: NAVY FEDERAL CREDIT UNION (IL)

Hi, my name is XXXX XXXX and I had my identity compromised and stolen in which a fraudulent auto loan at Navy Federal was opened in my name which led to an outstanding balance of {XXXX}. Please see the attached documentation as they were failed to notice or meet any of these demands. I have submitted a police report to all bureaus and XXXX fails to meet the demands of me and the police department as this fraudulent auto loan is not mine and I did not apply for no auto loan. Also, I did not or Never even came across this car or seen this car as it immediately went into a charge off and my credit is very important to me I wouldn't do something like this at all. I want this issue fixed or I will pursue legal counsel as an account that is fraudulently opened in my name is being held against me by this bureau, XXXX.
Consumer complaint received 2018-07-20
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. (IN)

I spoke with Transunion 's consumers relations department on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX who stated I was not a victim of their inquiry issue and they refused to remove the false inquiries on my credit report. 

I know that the large amount of inquiries originated from fraudulent activity and have put a hold on my credit file with other bureaus as well as this one but still see inquiries coming through almost daily. The company refused to clear the inquiries and had the audacity to say I was fabricating the fraud when it has been proven with other fraudulent marks on my reports.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-09-22
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: Experian Information Solutions Inc. (TX)

I have 27 inquires that was report plus more incorrect on my credit report. Damaging my credit report badly. I notify that violation XXXX fine which they said they sent my check but I have never received it. 
XXXX email
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

I have had another instance of this company conspiring with a merchant and holding funds. The first time, I had made a purchase from XXXX company, in which they delayed in giving me my refund. They swore up and down it was AMEX Bluebird fault, I was on them hot and hard about my refund, and they convinced AMEX Bluebird to  give me a provisional credit, until they could get the funds to them. The XXXX rep called me back and told me my refund was coming, told me my account information which she should have not had, and they talked with AMEX Bluebird behind my back conspiring to get credit for a refund that they should have sent. I was XXXX, I left the AMEX BB open, but moved my direct deposit, and essentially stopped using the  card, but left the account open. I had a dispute with a Merchant on XXXX, dating from XX/XX/2018. I finally got my refund for that item, and XXXX told me it would be five business days, I just happen to look today, and it was posted to my account, but then AMEX put it on hold saying the merchant is saying do not release it until XX/XX/2018. I feel like they are yet again conspiring against me as a customer.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

I have a credit card from US BANK, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called US BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my XXXX day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and US BANK with no successful resolution. XXXX XXXX, and XXXX reporting me XXXX days late in XX/XX/2020. There was an error on their part. I was never XXXX days late.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2022-08-12
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. (MN)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-09-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Village Capital & Investment LLC (AL)

I responding to your response from XX/XX/21 as you continue to disregard my questions. 

If you provided me funds in the form of a loan, Can you provide me with an actual document pursuant to GAAP ( General Accepted Accounting Principles ) pursuant to 12 U.S.C 1831n, showing where the money left your ( Village Capital & Investment LLC ) account to fund this alleged debt? 

Under what Law does it states you are the Original Creditor since this was a consumer credit transaction?
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lending Club Corp (FL)

Ever since Tuesday XX/XX/18, I have received numerous phone calls at my place of employment from two phone numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. On XX/XX/18 a gentleman by the name of XXXX XXXX called me at work and said that he works for an attorneys office and he has a client who is in the process of suing me and to call the XXXX- number above with reference number XXXX to discuss further. I asked who the attorneys office was and who his client was and he told me to call the number for more information. I told him that his company is not to call me at my place of employment and I will call him back. He said, Okay sir. The following day XX/XX/18 he called my cell phone and left a voice mail. I called the number back one Thursday XX/XX/18 and spoke with a gentleman who said that his client, Lending Club, was suing me and he was handling the litigation. Ive never loaned with Lending Club and I told him this. He said he is handling The litigation and I told him he can sue me because Ive never had a loan and then I disconnected the call. Today XX/XX/18 I got another call at work from a gentleman telling me that he needs to deliver wage garnishment paperwork to my place of employment and wanted to verify my address which he did. He asked if he can send it to my work address and I replied ; Sure! He asked me if I was worried and I said, Nope. He then told me that i can go XXXX myself. So Im convinced This is some kind of scam but they are very blatantly violating the FDCPA and it needs To be investigated further. Thank you.
Consumer complaint received 2022-08-10
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX How is XXXX XXXX reporting the account type as Open, while XXXX and Equifax is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX not supply that information to you? 
XXXX XXXX and Equifax are reporting the date last active as XX/XX/2022 and XXXX is reporting it as XX/XX/2022. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (TN)

I am writing this due to non-compliance with the ( XXXX XXXX XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-10-25
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: Certegy Holdings, LLC (IN)

Upon pulling my XXXX  report, I noticed that Certegy has placed upon my credit file a Check that is reportedly unpaid to " XXXX ''. First and foremost, I have NOT written a check to XXXX ; I have not had XXXX services in quite some time, in fact. Moreover, and and all names and addresses that are being reported by Certegy are factually incorrect ; only my current address is valid and my current name is used.