davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (TX)

I contacted Security Finance on XX/XX/XXXX in reference to an account that has incorrect payment history. I requested that they send me information showing that the payments I made were late. I received nothing in response. I sent this letter via Certified mail and have proof that they received it. I made payments in the months that they are recording as late. The notes state that I was 60 days late in XX/XX/XXXX. I made payment on XX/XX/XXXX. My records show that the payments were made within the 30 day Credit reporting window. I have contacted the local store and was advised that the account appears current and I should contact Corporate.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (PA)

Unfortunately I do not have specific dates but I have time frames. Several times in XXXX, XX/XX/XXXX and XX/XX/XXXX, I have contacted XXXX  credit bureau to dispute the inaccuracy of ShellPoint mortgage displaying on my credit report as open with a balance. I have also contacted the mortgage company and they informed me that they sent updates to the credit bureaus back in XX/XX/XXXX which is when the mortgage was satisfied. I also sent mortgage satisfaction documents to the credit bureau and they are refusing to update the credit report.
Consumer complaint received 2019-11-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC (CA)

I applied for a {$300000.00} mortgage for a purchase of $ XXXX primary residence, with a $ XXXX down payment. I have a credit score of XXXX, I have been on my job for 20 years with the same employer and I have earned income of {$330000.00} per year and social security income of {$2800.00} per month and rental income. I have cash reserves of more than {$1.00} XXXX after close of escrow. I have proven I have sufficient earned income, credit and down payment and reserves to qualify for the mortgage. I provided all documentation to the lender immediately, tax returns, pay stubs, verification of deposit and letters of explanation. the last letter of explanation their underwriter wanted from me is to certify that I do not plan to retire. I feel this is age discrimination as I am XXXX years old and still working full time. They do not ask a younger borrower whether they plan to quit their job or to certify they will not be laid off why would they ask me to write this letter. I wrote this letter and the loan has still not been approved. The lender tells me that I had to write this letter as I am currently collecting social security. I explained that I started drawing social security two years ago and continued to work full time and collecting social security is not an indication of retirement.
Consumer complaint received 2019-08-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I sent my granddaughter XXXX euros on XX/XX/XXXX. she's locked out of the account and can not retrieve the monies. the money sets in a locked account. no one will help and my granddaughter opened the account as a minor but gave false information, so, she doesn't remember any of it. 
XX/XX/XXXX I accidentally sent XXXX euros to my grandsons old account. there was no opportunity to reverse it. now i'm stuck with the same problem. he has no way to access the account. 
so paypal is sitting on XXXX euros and I can't have it back and they can't access it
Consumer complaint received 2017-12-19
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. (AL)

XXXX XXXX got a copy of my credit report without permission. I contacted them to inform them they had done this on two separate occasions. They stated they would investigate yet when I got their response letter which I have attached all they did was provide me an unauthorized copy of credit report which they purchased through Experian. They have NEVER investigated this and each time I have contacted the credit bureaus they have failed to investigate this matter.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I received an email that my bank account was restricted. I contacted chase customer service and they told me the bank decided to end its relationship with me. They would not give me any information as to why. 

I can not get my money out and I can not use my bank account. I have done no fraud. I have only disputed transactions because I have not received specific services and packages. I believe that I was wrongfully targeted as a person of XXXX and because I disputed transactions.
Consumer complaint received 2021-09-05
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my XXXX  a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only ALLY FINANCIAL as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NY)

On Sunday, XX/XX/XXXX, I called Citibank Online Support to link my wife 's CitiAdvantage card to our joint checking account to activate auto-pay and paperless billing, which I had already done with my CitiAdvantage card. I gave the young lady all the info requested. She said something about sending my wife a new card. I found this unusual but figured she knew what she was doing. Following the conversation I received an email confirming that my wife was added to my credit card account as an additional authorized user. I immediately called back and spoke to another individual which cancelled that action and connected me to someone else who immediately handled my original request, something she was not equipped to do. Today, XX/XX/XXXX, I called again to confirm that no cards were being sent to me. Before I could speak to someone I heard a recording saying a card was in the mail. When I finally reached a person again I asked about this and was told it was a replacement card in my name. I cancelled that and asked for a confirmation email, something I had neglected to do with my second phone call. I was told I would be receiving it shortly. As of this moment I have received nothing and fully expect to receive that replacement card in the mail.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I attempted to make a payment on XXXX, to the following Capital One credit card. 
XXXX. The online system indicated that a verification code was necessary to proceed. The only options that were available were telephone calls and I was not available at any the numbers listed. I contacted Capital One and after verifying my account ( via Social Security number, DOB, etc. ), the representative still indicated that I needed to provide them with a telephone number to obtain a code. She stated that this was to " verify '' that I was the cardholder. I made very clear to this person that she just finished verifying who I was and that how could a phone number do otherwise. I asked her if there was a method of contacting me ( preferably through another method ) to provide me with this " all secret '' code that I needed in order to access my account. She said that only a telephone call would get this done. And that if this was not acceptable to me that I would have to be transferred to the fraud department. I understand that account security is essential, however, I believe that I made more than a reasonable effort to comply with Capital One 's verification procedures. To date I still can not access my account online nor on the mobile application as Capital One has denied access to my account. I had to make a payment using the automated telephone system in order to ensure that the payment was credited on time. I am requesting your office hold Capital One accountable for these extra-ordinary inconveniences and require them to permit me access to my online account immediately. Once again, all their verification requirements were met, they insisted on a telephone number that I was not able to provide at the time.
Consumer complaint received 2017-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

AFNI Inc is attempting to collect a debt on me which I do not owe. I have sent them a notarized affidavit of denial on the XX/XX/XXXX this year. They have not responded to my notarized affidavit which I sent to them by way of certified mail in response to their claim. I have filed an identity theft report as well in efforts to have this account removed. Nothing has worked and they have not sent me anything in the mail stating their position on their claim against me. This company is affecting my credit score tremendously with this fraudulent account. Please contact AFNI on my behalf so that they may properly conduct business and remove this fraudulent account from my credit file. Best wishes
Consumer complaint received 2022-10-09
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. (DE)

In accordance with the fair credit reporting act XXXX for account number 1.Department of Education acct XXXX XXXX 2.XXXX XXXX  acct # XXXX 3.XXXX acct # XXXX XXXX. XXXX acct # XXXX Has violated my rights 15 USC 1681 section 602a states I have the rights to privacy 15 USC 1681 604a section 2 consumer reporting agency can not purchase account without my written instruction.
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-12-19
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. (CA)

Disputes were sent out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - To date, nothing has been updated or completed. Over 90 days and still the same letter being sent as verified. I am a consumer and it is my right to dispute inaccurate information on my credit report or reports, which I have, and nothing has been done about it.
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX IL ) XXXX
Consumer complaint received 2020-09-05
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. (MO)

The following accounts being disputed is unknown and unauthorized by me. I'm asking for these following accounts to be removed from my credit file. 

1 ) XXXX XXXX {$1600.00} 2 ) XXXX XXXX {$170.00} 3 ) XXXX XXXX  {$240.00} 4 ) XXXX XXXX XXXX {$110.00} 5 ) XXXX XXXX XXXX {$860.00} 6 ) XXXX {$47.00} 7 ) XXXX XXXX Account Info
Consumer complaint received 2020-11-22
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. (MA)

I sent a lot of letters disputing every error that has my credit report, but the credit bureaus don't investigate about my case. I have negative accounts that should not be negative, inquiries I didn't authorized. I want all that away because is affecting my score.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Chase bank closed XXXX credit cards I had with them. XXXX ending and XXXX. I never had a late payment. Never missed a payment. My credit score is in the XXXX. I did open some disputes of items because they were never shipped to me. When I opened the disputes I provided tracking numbers and all. I even had a video of a package stolen because delivery companies throw the packages and don't even notify you. So they say that I abused my XXXX card and closed all my credit cards. Very unfair treatment which now affects my credit score that I never had an issue with because I pay timely & and monitored my credit.
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX IL ) XXXX
Consumer complaint received 2024-06-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

JEFF CAP SYS is alleging I owe a debt that I do not. I have no obligation under federal law to pay any debt that I did not go into a contractual agreement with. I did not receive any notice of my rights to dispute this debt before it was added to my consumer report. Furthermore I refuse to pay any third party debt collector.
Consumer complaint received 2020-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (CO)

My mortgage is with WSFS and I am set up with automatic withdrawal. In XXXX of 2020 they took 2 payments from my checking account. I contacted them immediately, they acknowledged the error but it took them 10 days to refund my money because they said they had to be sure it had cleared my account. It happened again with my XXXX payment, they took 2 payments. I called their customer service line and they told me that if I could send them a copy of my bank statement showing that it had cleared they could refund the money immediately. I sent that to them immediately yesterday and today received an email from them saying I had to call instead. I called and they said they couldn't anyone in the right department to help. I insisted on talking to a manager and after holding for over 10 minutes I had to hang up for a meeting. I still don't have the money back and I have provided them proof from my bank that it has cleared. I need my money back and more importantly they have not yet told me why this has happened 2 out of the 3 last payments.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have made a dispute concerning the adverse accounts that should be removed from my credit report as per FCRA. Neither the creditor or the credit reporting agency will remove the items disputed. These items disputed are either fraudulent and or unverifiable and no proof has been give regarding the accuracy of the items. 

Remove : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I filed a claim ( claim ID : XXXX & claim ID : XXXX ) for a purchase at XXXX that was cancelled and supposed to be refunded back to the same method of payment ( which was my card ending in XXXX ). 

Chase initially gave me the money back, but later reversed the claim because XXXX sent them a proof of purchase. 

I did not dispute the proof of purchase, I disputed that the refund was never put back on my card. XXXX charged me for a service ( XXXX 2 XXXX ) that was cancelled because of not having a valid ID. 

I paid {$1800.00} plus a {$16.00} ; and {$1600.00} plus a {$16.00} service fee to XXXX, and received no service.
Consumer complaint received 2023-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

I recently tried to get an apartment and wasnt approved due to this collections. 

I am in bankruptcy XXXX XXXX XXXX XXXX  and this never came up. I tried to settle but customer service wouldnt help. I had no knowledge of this collection until I was trying to be approved for an apartment.
Consumer complaint received 2021-05-04
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-05-04
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. (CA)

There are a couple of creditors listed on my credit report that do not belong to me. I have reached out to them and they stated that I would have to dispute the information with the credit bureaus and it will be removed as they will not give me a letter stating as such. Please remove these accounts that are not mine from my credit report. Thank you. 103 Claims true identity fraud/account fraudulently opened.