davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

am writing to dispute multiple " paid in full '' accounts on my credit report as I understand it, these accounts should not negatively impact my credit since it has been fully paid. As part of the agreement these paid items were agreed to be removed as paid in full. 
I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. Reporting a " paid in full '' account as negative or derogatory creates such a misleading impression about my creditworthiness. Due to this Experian has also broken 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Consumer complaint received 2022-01-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

Hi, I received a call from XXXX XXXX on XX/XX/XXXX I thought it was scam callers so I blocked calls nearly Four calls from this number at later I received a call from XXXX he left a voice mail on my number that I am calling from Citibank call us back as unauthorized activity on your account. Soon after he left a message from ( XXXX hi I'm calling you this is XXXX from Citibank ). After a minute caller calls once again so I picked up he introduced himself as a Citibank fraud dept named XXXX Citi XXXX he took my social security number my date of birth, house address, my full card number from Citibank which XXXX XXXX expiration XX/XX/26 CVV XXXX after a minute my Citibank password was changed and I have no clue from there any fraud activity or charges were made the voice sounded like an XXXX call center where they were talking from behind plus coughing, I disconnected the call and called Citibank they said we don't have any issue on yr Bank account plz contact police report as identity theft as it is pretty serious where we don't know what will happen if u don't report any illegal activities might pop up on your name. My Citibank blocked my account XXXX and my debit card, they will be issuing me a new account. 
XXXX XXXX sheriff police report : XXXX The sheriff advised me to contact you guys as it is an urgent and sensitive matter that needs to be taken care of it. 
I would like to request you to catch the criminals as I would like to be on the safe side becz my life just started I don't want any bad remarks which will impact my medical career my Citibank account was hacked
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (MD)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2020-11-23
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. (OH)

I have tried to use the XXXX site to obtain my reports and none of the companies will allow me to obtain such report online. Called the number to address the problem only to find out they are indicating my first name is not what I know it to be. Tried to address this problem only to find out I can not talk to a live person to get it resolved. Finally called XXXX  and got to talk to a live person named XXXX, on XX/XX/2020 approximately XXXX hours ; he said he could put on a freeze for XXXX  only, said please do this. However, this whole situation is cause for alarm for both my husband and me. My husband has already filed reports with FTC, XXXX, and local police for data and information that is fraudulent on his reports.
Consumer complaint received 2023-03-10
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I ordered I toilet which was not the one I received. I filled a dispute with Chase and was denied. I filed the same dispute with the merchant, XXXX 's, and they gave me a refund. I wrote Chase to inform them of this ( not asking for a refund since I already got it ). They sent a letter back on XX/XX/XXXX telling me that they were right and I was wrong.
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (CA)

On XX/XX/XXXX, I received an alert via email through my credit monitoring company that there was a debt collection from a company in Texas. On XX/XX/XXXX, I called my credit monitoring company and the representative told me it was from an internet company. It stated that I had a balance of {$450.00} that was yet to be paid. The alert reported that I had " opened '' an account with the company on XX/XX/XXXX. My credit monitoring company, XXXX, stated these collection agency accounts can negatively impact my credit and can remain for 7 years. I looked up the company called, CREDIT MANAGEMENT L.P, and looked at the reviews for the company. It seems that this is a consistent problem with Credit Management L.P with other people stating that they have been sent false debt collections for a service they have never used.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In response to XXXX and addressing EXPERIAN XXXX and any other consumer reporting agency. Ive received correspondence from XXXX, expressing adverse accounts. Ive previously expressed to the reporting agencies a request to opt out and stop selling my information as it violates several FCRA laws. Attached is a 609 letter, requesting all adverse accounts be updated and reported properly. 

Also a ton of inquiries I did not give permission to. Please remove all negative accounts affecting my FICO score. Also please remove all addresses that are not my main residence. XXXX XXXX XXXX XXXX XXXX GA XXXX. Also, remove all misspellings of my name. It is XXXX XXXX XXXX, not All these names listed on the report. 
Attached is my Drivers license as well. 
Id greatly appreciate these efforts to be executed within ten days, as its been over a month since Ive sent the letters via certified mail. Please see attachment.

Thx
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (UT)

Try and close my bank account XX/XX/2023. They said that I violated their direct deposit policy along with other things. I have been emailing back-and-forth with them for sometime now, and not getting nowhere because theyre giving me the runaround. I have experience homelessness after eviction and still am trying to regain stability for my family and I I have XXXX XXXX  and I XXXX the XXXX at XXXX weeks because of the stress. chime needs to return my money. I have emails of them stating theyll send a check out one email saying that they canceled the check and are gon na send the check out again theyre giving me the runaround enough is enough I want my money back.
Consumer complaint received 2021-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2021 a transaction of {$490.00} was made on my capital one credit card to front gate tickets for concert tickets. This was a double billed transaction, I only intended to purchase half of the tickets/transaction amount. 

I contacted the ticketing company and capital one to get a refund for half the amount. Capital one gave me poor advice on how to handle this transaction and directed me to accept disputing half the charge. Well front gate cancelled my entire order and capital one will only refund me for half my purchase. So I have XXXX tickets and had to pay {$240.00}. I contacted the ticketing company again, and they said they are having issues giving me a full refund due to capital one. All I would like is a full refund for my order that was fully cancelled. 

They are not protecting the customer, they are protecting the merchant. Please help.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX/Synchrony Bank offers customers the option to get reward points or defer interest on qualified purchases made using the XXXX XXXX. Purchases made under the deferred interest option are purportedly tracked under the cardholder 's " promotional '' balance. Those made under the rewards program are tracked under " non-promotional '' balance. Unfortunately, it seems like the company lacks the necessary computer systems to keep track of " promotional '' balances separately from " non-promotional '' balances, leading to incorrect interest charges on customer accounts. This is my second complaint on this matter. The first complaint was CFPB Case XXXX. 
My most recent experience is summarized below : On XX/XX/XXXX, I made a payment of {$1400.00} which I requested to be applied to my non-promotional balance. As of today XX/XX/XXXX, more than a month after my initial request, this still has not been processed Since my original request date of XX/XX/XXXX, I have made several calls and chats with the banks customer representatives to follow up. I was told by some representatives that this would be processed within 3-5 business and some others that it would be done by the next billing cycle which has already come and gone. Any outstanding non-promotional balance incurs interest. I want to make sure that this doesnt happen and that I dont have to spend any more time with the company to make sure that they process my payments accordingly.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My loan balances remain at {$0.00}, but not reflected on the credit agencies. Despite multiple attempts, XXXX has not updated my credit report since XX/XX/. Despite providing evidence and submitting disputes with the credit agencies, XXXX reaffirm the reported balances to each agency. The mortgage letter I submitted as evidence did not have the desired impact. When contacting XXXX about the balances, who confirmed with me a XXXX balance, I was also informed that balances are updated monthly, despite the evidence to the contrary. I requested a copy of the information used to justify the reported balance with the credit agencies, which they are required to provide, but was only directed to download my mortgage letter and provided with no further details or timeline for the update.The mortgage letter provided no benefit in advancing my case, The credit agencies did not take that evidence into serious consideration when they should have as it is a document from the lender.
Consumer complaint received 2024-01-23
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. (GA)

There is a fraudulent account on my consumer report that I am highly displeased with. I was trying to get a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to get a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 5 16815-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to get my family a house.
Consumer complaint received 2021-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

JUST GOT AN EMAIL SAY THEY FINISHED A DISPUTE ( LATE BACK IN XXXX ) HAVE UNTIL XXXX TO DOWNLOAD IT ; CAN NOT DOWNLOAD THE DISPUTE # XXXX AROUND AND AROUND THE SITE TAKE 'S ME AND NOTHING! 
THIS IS A JOKE BUT I AM NOT LAUGHING! 

PLEASE ADVISE
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I sent XXXX a debt validation letter and they were unable to provide me with validation I will attach what XXXX sent me this is not a debt validation please delete from my credit immediately they have not provided me with a contract with my signature
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-23
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. (LA)

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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-10-30
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. (TX)

I have notified you several times that I have been a victim of identity theft and these are still being reported. Please review the attached FTC report and delete this fradugelent information from my report.
Consumer complaint received 2021-08-12
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. (KS)

Recently, a collection agency named XXXX XXXX started reporting an $ XXXX collection on my credit report. I have no clue what this could have been, because I have never has an unresolved debt of this magnitude. And before this account showed up on my report, they never tried to contact me about it. I was under the assumption that they were required to contact me and give me an opportunity to contest a potential collection before they report it. I certainly would have done that, but I was never given the opportunity. I have since contacted this collection agency directly to complain, and ask for further explanation about this phantom debt. But there representatives are very rude and tell me that they don't have to give me that information.
Consumer complaint received 2024-01-23
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. (IL)

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter. 
I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : - XXXX & XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX : {$67.00} XXXX XXXX XXXX XXXX : {$53.00} XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (TN)

I recently purchased an SUV, the asking price was almost XXXX. But after adding interest, I will be paying XXXX for a 2014 car. my credit is the the greatest, but I have been improving it. I have a car now that is almost paid for, And out of four years I have not been late, other then one time. And that due to Covid-19. I was out of work for two months. I also have two credit cards that I have never been late on. I really feel like I should have received a better interest rate. My opinion! I feel like my race may have played a role in the very high interest rate I got. The date of the transaction was XXXXloan company Santander Consumer USA XXXX XXXX XXXX XXXX, TX XXXX XXXX Sincerely XXXX XXXX
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (AZ)

I transfered XXXX from binance chain wallet ( binance smart chain network ) to binance.us ( XXXX XXXX ). I tried every other option to send and XXXX was the only way it would let me send. I have confirmed that XXXX was the incorrect way to send, but that binance.us will be able to recover the funds since it was still sent to my address, I am happy to pay any fees associated with recovery. 

Date sent - XX/XX/2021, XXXX MST Amount - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX - XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 


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 item 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 2020-09-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NC)

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?