davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-04
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: Medical Data Systems, Inc. (NC)

XXXX XXXX failed to bill my insurance company for a date of service under which I was covered by insurance, then subsequently reported my non-public personal information to a non-affiliated third party without my authorization. If somehow they did fraudulently obtain authorization, I was never given the option to opt-out of such reporting. They continue to fail to take responsibility for their error. 

I am emotionally anguished and distressed by constantly attempting to have this error corrected to no avail despite clear and blatant violations of my consumer rights. This false negative reporting has caused credit defamation and I have suffered repeated denials of credit, embarrassment and financial strife.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have attempted to file this claim directly with the organization involved, Kohl 's, but they have refused to take action. I was coerced under false pretenses to sign up for a Kohl 's charge card. A sales associate came around while standing in line and asked if I would like to sign up for a Kohl 's charge to receive XXXX % off. I was aware of the Kohl 's policy regarding certain exceptions about items. I inquired with the associate if there were any exceptions regarding this item, she informed me that there were not. Immediately after, I inquired if I signed up and was approved for this card if I would be able to use a personal credit card other than the card I was approved for. They acknowledged that I was able to do this. I was walked over to a separate register and applied for the card and was approved. She rang up the item and the discount did not apply. She said that was her mistake and acknowledged I asked if there were any exceptions and that a manager would very easily be able to correct this problem. After approximately XXXX minutes, an assistant store manager arrived and advised that this was an exception and I would not be able to honor the discount. He was informed by the employee that this was promised to me and he continued to advise he would not honor it. I also informed him that I was told I could put this on my personal credit card. At this point he went off the deep end and became extremely aggressive and began yelling at me. I told him that as my credit was already run and it would affect my credit score so I would like XXXX of XXXX resolutions, either remove the credit check from my credit history and charge me the full price, or authorize the discount and let me use my personal credit card as promised. The store manager ( named XXXX ), refused to do either of this and began yelling. He told me that I had XXXX of XXXX options, either be forcibly removed from the store by security or put the item on my Kohl 's charge card with a discount. Intimidated and scared, I agreed to put it on my Kohl 's charge card under duress.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

a yes I have filed a complaint with the FCC and transunion sent back saying they did not get enough info to solved my disputes -- could you let them know I am speaking about the collection of XXXX XXXX I was so sure all you had to do is what collection did you take off in XXXX XXXX and then put it back on in XXXX XXXX and yes I did filed a complaint in XXXX and the complaint was about the collection and why do you have to contact them when you were the one who removed it again do I have to wait another 7 years
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I contacted XXXX to file a dispute. The reported information to XXXX and Equifax was not correct and has NOT been corrected through these XXXX Credit Bureaus. XXXX is the only one that has updated the correct information. I do not have a past due balance. I have paid everything as I should, even the incorrect fees that were applied to my account since the loan was opened. I need my payment history corrected to reflect " paid on time '' and " never late ''. I also need the remaining load balance corrected. They still show the original balance of the loan.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I was a victim of identity theft and per the communication from Equifax and XXXX, I was part of a data breach. ( also for XXXX too ) I requested a freeze on my report and thought that it was taken care of but when I recently was contacted by a dealer I immediately knew that the freeze was not on per my request.
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (MA)

The problem originated from an automatic billing system from XXXX XXXX XXXX in XXXX, SC. I moved from the area in XXXX XXXX to the XXXX. 

On XXXX XXXX, XXXX I thought to cancel my account after receiving bill notices. I paid a Balance of {$69.00} to XXXX XXXX, which does billing for the health club. This included payment for two months past due and a {$19.00} service fee. 

A Cancellation Notice was sent to XXXX XXXX stating to cancel membership. This was done before their next billing cycle, but they conveniently for them made " an error '' and continued to bill me. 

It is now XXXX and after review of a Credit Report dated XXXX/XXXX/XXXX I became aware of an amount of {$99.00} being reported as Delinquent - In Collections by First Credit Services on behalf XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX have been made aware of the mistake which was no fault of my doing and First Credit Services was contacted which updated my account as removed and {$0.00} Balance. 

My complaint is with First Credit Services - XXXX XXXX XXXX, XXXX XXXX - XXXX, NJ XXXX. I have repeatedly tried to contact them to obtain documentation stating that the Account ( Reference # KB XXXX ) has been closed and that it has {$0.00} Balance, as well as tried in vain to get someone from their company to expedite the process of removing it from all Credit Bureaus, since it was a mistake made in their chain of command. 
I have been consistently transferred all over their phone system, hung up when I ask to speak with a Manager, I also believe that I have been lied to as to Names and Titles of their Associates. I have been told more than once that Supervisors will call me back, and it has yet to happen. I know the system recognizes my phone number and sometimes when I call it will send me directly to voicemail. I have audio recordings of every single call which depicts their unfair, shady, and deceptive practices.
Consumer complaint received 2017-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I called Transunion and I also have sent them multiple letters to delete inquiries that were done without my permission. They have yet to correct this for me. I called them on  XXXX / XXXX / XXXX  for the  3rd ti me and nothing has been resolved. Other times I have sent them letters in  XXXX   XXXX  and  XXXX   XXXX . These are the following inquiries I asked them to dispute.    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 2018-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

From XX/XX/XXXX through XX/XX/XXXX Chase Bank has charged me insufficient funds fees nine times ( 9 ) times at {$34.00} for each insufficient fee. I have communicated with Chase bank asking them why they keep debiting the account when they know that there are insufficient funds in the account to cover any transactions as the account was already negative. Their response is usually incoherent or something to the effect like that is the Bank 's policy. The resulting effect is that within less than two weeks I incurred fees totaling more than {$300.00} from Chase. 
I have expressed to the bank that their system of imposing insufficient fees is oppressive to a small business owner like myself because the Bank clearly has a profit motive in paying for electronic debits to the account, even when it has been apparent for many days, that the account lack sufficient funds to cover these transactions. Furthermore CHASE is also being exploitative to consumer when it's policy is to pay for the largest debit transactions first, and not transactions that are first in time. Their system guarantees insufficient fees will be imposed for more transactions and even for the smallest transactions. Sometimes I am even required to pay {$34.00} for debit transactions that are as small as {$5.00}.
Consumer complaint received 2024-01-11
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2020-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (VA)

They claim that I have a XXXX  account 7 years ago and they forward it to collection recently in the amount of {$1400.00} and its southwest credit system, I did contact them trying to explain that this is not my account and they didnt care also I contacted XXXX  and they researched and didnt find an account under my name this is a complete false reporting and I need your help to fix it plz I am trying to buy a house and this is effecting me a lot
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I paid for a product from XXXX and i was scammed by the merchant. I returned the product and contacted Capital One to dispute the charge. I was told that i had consumer protection for charges such as this. Capital one refuses to refund the charges stating that the tracking number for the returned product is not enough. I feel defrauded by Capital One and the scammer merchant. Where is my protection from fraudulent charges?
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I rented a car from XXXX. I paid for the car from XXXX. Then XXXX charged my Capitol One Visa card {$100.00} for a moving violation in New York. The only problem? I did n't go to New York. I was n't renting the car when the moving violation happened. I called XXXX - they did n't give my money back. Filed a chargeback with Capitol One - they did n't give my money back either.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Looked at my credit report and saw that they had account so my court in which I had no knowledge of which are all reporting negatively and affecting my credit worthiness. I have open dispute with all credit report agencies and I have n't been able to get a clear response to the handling of my credit disputes. Currently I have open dispute and the credit reporting agency has allow companies to be on my credit report that has not communicated with them in over 30 days to remain on my account even though I have gave multiple instruments to support my call for possible identity theft in and accounts being open without my knowledge.
Consumer complaint received 2016-06-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2015 ; 60 days late as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2020-05-07
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$510.00} XXXX {$2500.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$180.00} XXXX XXXX   XXXX $ XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$150.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}
Consumer complaint received 2018-06-01
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: CITIBANK, N.A. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX I purchased an XXXX vacation from XXXX ( and XXXX XXXX leaving Monday XX/XX/XXXX and returning Friday XX/XX/XXXX. 

XXXX 's portion for 3 nights ( XX/XX/XXXX and XX/XX/XXXX was {$510.00} ). 

XXXX XXXX charged me {$400.00}, {$400.00}, {$20000.00} and {$200.00} for the flight and taxes for 2 tickets. 

XXXX XXXX flight XXXX was supposed to leave at XXXX Monday XX/XX/XXXX and was cancelled. The flight was rescheduled for Tuesday XX/XX/XXXX at XXXX. 

XXXX XXXX refunded both {$200.00} charges and refunded the taxes of {$51.00} from each of the {$400.00} tickets. I disputed the remaining {$350.00} x 2 = {$700.00}. 

I also disputed the XXXX hotel charge for {$510.00}. 

My sister had booked and paid for 3 days of tours. Tuesday XX/XX/XXXX was to leave at XXXX, Wednesday at XXXX and Thursday at XXXX XXXX. We would not have arrived in time for the Tuesday and Wednesday tours ( 2 of our 3 days of tours ) so we cancelled the trip because of the airline cancellation. 

We were not able to stay longer and the airline and hotel would have charged us more for adding days. I paid for 3 1/2 days of hotel and time in XXXX and was only going to receive 2 days and only 1 of 3 tours that could not be rebooked or refunded. 

I would like a refund for the services I paid for and did not receive. 

I did file a dispute with Citi Bank master card but received e-messages that the disputes were closed because I received a partial refund from XXXX XXXX. I was able to send additional information for the airline cancellation but CITI wanted confirmation from the airline that they would agree to refund all the money. The airline would only refund part of the charge. CITI closed the dispute. I believe my dispute falls under the fair credit act. I did not receive what I paid for. I paid for 3 nights hotel and my sister paid for 3 days of tours. We would have only received 2 nights hotel and 1 day of tours. 

CITI reversed both credits ( XXXX and XXXX XXXX ). I would like the {$510.00} XXXX and remaining {$700.00} charge from XXXX XXXX removed from my CITI card for services paid for but not received and beyond my control. 

I provided the proof from XXXX XXXX that the flight was cancelled and rescheduled more than 24 hrs later. I specifically used a credit card because of the added protection from goods and services not provided. 

I am attaching CITI Bank letters, my responses, XXXX total charge as well as XXXX XXXX email cancellation notice sent to my email. XXXX got rid of the breakdown charges in my account and all I have is the total. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-10-26
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Premier Portfolio Group (SD)

Company called Premier Portfolio Group continues to call me at my work after I informed them not to. I also informed them that another collection agency had taken money from me on the same account they are trying to collect on. I gave them the company phone number and contact person, but they continue to call my work and my cell phone. I have over XXXX plus phone numbers this company calls from. They are now using a number from my home state.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DC)

My mortgage servicing company "  XXXX  XXXX  XXXX  " has rejected my formal request to remove my $ 280 monthly PMI and I belive they rejected it without following their own guidelines and also contrary to what several of their customer service reps told me over the phone.   I emailed them on   XXXX   XXXX   with a formal request and also attached a bank appraisal showing that i am well within the equity limits to remove PMI. I was told over the phone someone will call me to schedule their own bank appraisal which I would have to pay for, and that following the appraisal they will determine if they will remove the PMI. Instead, and after several phone calls, I was told the request was rejected, even though they had NOT done the appraisal yet and even though they had my bank appraisal showing the house was worth over {$200000.00} above the loan amount. I have made any number of calls and even my lender has tried to follow up as a courtesy on my behalf but there is NO telephone number to call the mortgage insurance dept and they have not been in touch with me to discuss any details.   My lender told me the servicing companies often reject PMI removal requests intentionally and that they wait to see which customer is tenacious enough to follow up becasue so many customers just give up after the first rejection.   I believe my account has been handled very badly and I am especially frustrated over how hard it is to reach anyone in a decision making position at loancare.   My email to them is below, and I 've since only been sent a letter advising me of the rejection. This, despite repeated phone calls that I want to speak with a  XXXX  who can trouble shoot what was either a misunderstanding, or a glitch, or an oversight, or possibly deliberate action in order to avoid removing my PMI.    Thank you, MR ============== Dear  xxxxxxx, Thank you for contacting us!     We have received your inquiry and are assigning it to the proper department representative. Please note duplicate inquirie s may pr olong your time for resolution. To help identify your inquiry we have generated a reference/ticket number. Your reference/ticket number is  XXXX . Please use this number in any further communication relating to your recently submitted email request. Please allow  XXXX  business days for a thor  ough review and research of your inquiry.
====== Your Inquiry ====== Greetings, This is my formal request to have my PMI removed fro  m loan number xxxxxxxxxx please.     Property address :  XXXX   XXXX   XXXX , Washington,  XXXX ,  XXXX   XXXX  Please see attached a bank appraisal showing my home is currently worth {$600000.00}.   The loan 's current principle balance is approx {$380000.00}.     I 'd like to have your appraisal done as soon as possible please. Can you advise on timing and cost of appraisal, or any other costs/procedures I need to be aware of?     Many thanks!