davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc. (TX)

I applied for a credit card as part of a promotion when I bought a timeshare from XXXX XXXX last May. I did not get approved for the credit card at that time but I was told that they will look into it. I received all timeshare documents and promotional materials from XXXX (via USPS and e-mail) but not a credit card or a credit card bill from them. Last week I received an email from my credit monitor that I have a new negative remark on my credit. My credit report shows an account for Comenity Capital XXXX with a balance of $XXXX. As of today I still have NEVER received a card or a single billing statement from Comenity. I honor all my credit obligations to the best of my ability. I am never delinquent and my very good credit score is a testament to that. However, without a statement or card number, how am I suppose to pay my bill? I made it clear when I applied for both timeshare and credit card that my mailing and billing address are the same. This is unfair and could be a violation of my rights under FCRA and FDCA.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XX/XX/2019 walmart rewards credit card was taken over by capital one from XXXX XXXX. XX/XX/2019 I mailed a check totally {$180.00} to Capital One per the credit card statement I got in the mail. On XX/XX/2019 the check cleared my account as an automatic debit, then 2 days later on XX/XX/XXXX Capital One stated the amount was returned to my account due to insufficient funds. On XXXX XXXX stated the process of contacting Capital One due to Capital One charging me late fees and then in order to get my account in ok standings I had to pay double the minimum payment and was charged incorrect interest, since this time I have spoken to 25 different people at Capital One. XXXX, XXXX, and now XXXX from the Financial Resolutions Center Senior Account Specilist have contacted my bank with me on a speaker call and the bank has verified the account was never negative and the total of {$180.00} was taken from my account and never returned. No matter who I talk to no one can help me they tell me someone else needs to fix it. I have also stopped receiving the calls set up by the reps. XXXX has told me she can credit my account but will not do it due to needing to locate the money. I have contact the XXXX and they have not gotten a response from Capital One. I have spent countless hours trying to just get to the same person I last spoke to on the issue and cant ever get to that person. For an upper account rep to tell me they can credit but will not is extremely unprofessional to me. Capital One requested a copy of my check which I cant provide to them due to the automatic debit that was taken from my account. They are not accepting my bank statement that clearly shows it was aken out of my account and no insufficient funds charge. This was asked of me after I wss told by XXXX and XXXX they will not accept a paper copy of my statements, they stated they do not accept that form of verification yet now I'm being asked to provide this.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

As of XXXX XXXX my Chase Bank Military checking Account has a overdrawn fees of {$61.00} and derogatory remarks on my account ending # XXXX that needs to be removed. 

I am XXXX Lifetime, Retired and a XXXX XXXX Honorable Military Veteran.
Consumer complaint received 2018-03-06
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. (NY)

I notice from from my Experian credit file 2 inquiries that I don't recognize, I did contact them in writing but, nothing has been done. Those inquiries are from XXXX and XXXX.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2022-08-11
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. (GA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

I closed my account with my tv provider on XXXX.I returned my equipments on the next business because they were closed on the weekend.Ive paid my bill with the XXXX for 10 years and I never missed any payments with them.I filed complaints against them with FCC to New Jersey office of attorney general.They were not honored a promotion starting from XXXX XXXXAfter that they raised the bill non stop from XXXX to XXXXMy promotion said I have to pay XXXX and now they sent it to collection what I did not know about.I have text messages with their rep who says I do not owe anything after I returned the equipments.I have receipt shows XXXX when I give the equipments back.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

My name is XXXX XXXX. I've been out of the country since last year : XX/XX/XXXX - XX/XX/XXXX I had XXXX on my XXXX XXXX XXXX XXXX. In XX/XX/XXXX I was XXXX by an XXXX while walking across the street. Put off XXXX till now. 

In XX/XX/XXXX - I left to XXXX and just now got back.2 weeks ago. 

I made a payment on XX/XX/XXXX, on my account and set up automatic payments on the same day because I knew I was going to be gone. 

So I traveled to XXXX for XXXX then to XXXX where I did my XXXX, which is also my native home. Because of XXXX high crime and ties with fraud, I couldn't access any of my accounts from that country. 

Upon arriving about a little over 2 weeks ago - Discover has given me about 4 late payments.

I see whats going on and made a complaint to Discover on XX/XX/XXXX, in regards to the matter was not given any help of any kind. All I was told is that it doesn't show in their system of automatic systems being set up.It 's obviously a tech error. That's not my fault. 

I have never had an issue with Discover till now. Is hows a Tech error my mistake?

They have cost me almost 150 points of my credit when a fault was made on their end a fault - THEY HAVE SYSTEMS IN PLACE THAT CAN PROVE.

I'm dealing with recovery and have been emotionally stressed because now my back is against the wall for a mistake by Discover and every time I call I get the runaround, instead of them taking responsibility and doing what needs to be done so I can get back to my normal life.

Please help me get all those false missed payments off my credit.

Already beginning to consult lawyers about possible legal action against Discover in regards to the issue.
Consumer complaint received 2021-10-25
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XX/XX/XXXX a charge of {$760.00} was fraudulently made on my USAA Bank credit card. I had not used this card since XXXX and did not realize that it had been used until I began receiving collection calls in XX/XX/XXXX. On XX/XX/XXXX I called USAA Bank, found out about the charge, and made it clear that this was a fraudulent transaction. I was told that the this would be taken care of. Nothing happened and collection calls and letters continued. I have called again a number of times, have spoken to about 15 agents over the course of approximately 5 hours. I have been told several times that the charge would be taken care of several times. As a result of the XX/XX/XXXX call there was a credit of {$790.00} applied to the account. However, this did not cover all of the interest and fees, and collection calls and letters have continued. On XX/XX/XXXX I sent a registered letter to USAA Bank in the hope that they would respond to a mailed dispute ( copy attached ). Again, nothing happened and I recently received a letter from USAA that they intend to send the account to a collection agency.
Consumer complaint received 2021-05-27
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: Franklin Collection Service, Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2020-09-08
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: AMERICAN EXPRESS COMPANY (NH)

I ordered a shipment from one of our suppliers and they messed it up. I placed the order in mid XXXX and received it a month later ( when I was told I'd get it within 2 weeks ). When I received the merchandise it was missing items we paid for, missing my companies logo that we paid for, and the pieces were different than what was advertised online. I reached out to the merchant many times with no reply back. I gave the vendor a month to reply back with nothing ( after I reached out multiple times ). I  then went to Amex to have them reverse the charges since XXXX XXXX was ignoring me. Amex initially reversed the charges with all the proof I provided but now is saying the merchant has submitted their proof ( which Amex is not sharing with me ).
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (GA)

Someone used my identity in XXXX on XX/XX/2019 to open a leasing account with ACIMA credit. This fraudulent account is now reporting on my credit report as a collection account in the amount of {$3400.00}. I called ACIMA credit about this account and let them know it was not my account. They told me to submit a police report to XXXX. I have not received a response or correction to my credit reports.
Consumer complaint received 2021-10-25
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. (GA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT ARE NOT MINE AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-05-23
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: DISCOVER BANK (MD)

discover financial services is reporting wrong information. 
i told them i do not own any credit card from them. 
they refused and kept on reporting on the credit card they took me to court and the case was dismissed they reported me to tax authorities which was wrong. 
i want them to delete wrong information they are reporting
Consumer complaint received 2022-04-28
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. (NC)

In accordance with the fair credit reporting act. The lists of accounts below and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name : XXXX XXXX XXXX  XXXX : XXXX Account Name : XXXX XXXX XXXX  XXXX : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : xxx Account Name : US Dept Education Account Num : XXXX Account Name : US Dept Education Account Num : XXXX Account Name : US Dept Education Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights XXXX XXXX U.S.C 1681 section 602 A states I have rights to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (KY)

Complained about this company before they are based in XXXX but this call is another one of their affiliated offices in XXXX. Constantly calling me almost every day including weekends. Never leave messages. I need this to stop. Had another call today. Sick of it.
Consumer complaint received 2024-02-26
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. (GA)

Acct Name : XXXX XXXX XXXXXXXX XXXX Bal : {$3500.00} Acct Number XXXX According to FCRA 623 ( b ) ( 1 ) ( D ), which mandates that if the results of a dispute leads to the determination that information is inaccurate, then the furnisher must report the correction or deletion to all CRAs to which the information has also been reported. Update or deletion with only the CRA that is handling the dispute is not adequate. 

XXXX has deleted this item from my report based on the information received from the creditor, Attached is the official XXXX report showing it as deleted.
Consumer complaint received 2021-05-02
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. (NC)

XXXX - XX/XX/XXXX Equifax 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 XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2020-12-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/2020 a chair was purchased from XXXX in brown from the online order entry Order confirmation indicated a black chair was shipped. They were immediately advised -- Correct ( brown ) chair shipped and paid for. Order tracking indicated initial black chair rerouted to a XXXX return center. We never ordered or received the black chair. 
We have gone through multiple dispute resolution rounds with Bank of America ; they refuse to credit, in fact, are now charging interest. 
We have a large volume of documentation supporting our claim, however XXXX  ( XXXX XXXX XXXX  ) refuses to credit. We did not reroute the first chair, nor have any idea on its disposition by XXXX 's shipper We would like this credit applied and all interest waived
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NH)

I HAVE BEEN BATTLING A WRONGFUL AMOUNT WITH XXXX XXXX XXXX XXXX. I HAD A VEHICLE THAT WAS CONSIDER A TOTAL LOSS ON XX/XX/XXXX. AT WHICH TIME THE LOAN COMPANY ALONG WITH ANY AFFILIATED PARTIES WHERE INFORMED. I AS LONG AS THE LOAN COMPANY WAITED FOR INSURANCE TO PRODUCE THEIR DECISION AN FORWARD A CHECK TO THE LOAN COMPANY. THIS CHECK WAS NOT PRODUCED TILL XX/XX/XXXX. AT WHICH TIME PRIOR TO THE CHECK BEING PRODUCE MY BALANCE WAS XXXX. AFTER A CHECK OF XXXX WAS PROCCESSED MY REMAINING BALANCE TO PAY XXXX XXXX XXXX WAS XXXX. AN WHICH I OFFERED TO IMMEDIATELY PAY, FOR A REASON UNKNOWN AN NEVER DISCLOSED TO ME DURING A 10 MONTH WAITING PERIOD XXXX XXXX AN ITS AFFILIATES DECIDED TO REPORT NEGATIVE ON MY CREDIT REPORT AS WELL AS STATE A OWED BALANCE OF XXXX. I HAVE TRIED NUMEROUS TIMES TO CONTACT THE LOAN COMPANY AS WELL AS CREDIT BUREAU.
Consumer complaint received 2020-11-24
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)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that this account is not mine and that my identity may have been stolen which I have included with this letter. I do not know how this item ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that this account is mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2023-04-07
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. (NC)

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 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 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

OnXX/XX/2016 i called XXXX insurance and told them to cancel my insurance on XX/XX/2016 as i got insurance with XXXX, i called back on XX/XX/XXXX to make sure it was canceled, they told me i had to have my new insurance company send them a letter confirming i had insurance with them. XXXX faxed them a letter and sent me a copy, they still continued to bill me for two additional months after XX/XX/XXXX resulting in this charge.
Consumer complaint received 2020-01-22
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: Experian Information Solutions Inc. (TX)

I looked in to my credit report and notice that a company called XXXX XXXX XXXX XXXX is reporting missed payments I do not know the company and ask for Experian to verify company but there lack of effort in to looking in to the matter was pointless due to them hitting a button saying verify when they have yet to show proof of documents to me at all