davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-04
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 (GA)

I made a total of 3 payments ( 2 for XXXXeach with my capital one credit card and 1 for XXXX with my capital debit card ) well when it came time to receive what I paid for the company did not provide the service. When thinking about trying to get the issued resolved with the company they told me to go through my bank. So, I reached out to Capital One to start a claim. The first purchase was made using my capital personal checking account ending in XXXX in the amount of XXXX ( claim number XXXX ) which was resolved and the temporary credit they gave me was permanent after an investigation was complete. The second purchase was made using my capital secured card account ending in XXXX in the amount of XXXX ( claim number XXXX ) in which capital took the credit back and charged my account. The third purchase was made using my capital secured card account ending in XXXX in the amount of XXXX ( claim number XXXX ) in which capital took the credit back and charged my account. I mention all of this to say I would like for the company to permanently credit my account back in the amount of XXXX the total amount they charged back being that the services I agreed and paid for were not receive. I even questioned the company as to how my Capital One personal checking account claim be resolved correctly but the credit card is not resolved correctly. Same company, different departments but for the same purchase. My checking account was credited, and I was able to keep the funds but for the credit card they took the credit back. When bringing the matter to the attention of the company they stated, it doesn't matter.
Consumer complaint received 2020-10-15
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. (MS)

Transunion Credit Reporting Agency XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1994 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open  these accounts. Someone else of who did these that I did not know. 

1. XXXX XXXX {$530.00} 2. XXXX/XXXX {$440.00} 3. XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX   XXXX XXXX  ) {$980.00} 4. XXXX XXXX XXXX  {$15000.00}
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I had called to move my payment out because with COVID, I knew I was going to be late because unemployment hadn't kicked in yet and I was laid off due to the Pandemic. 
I have since made my payments and everything is now current but I had explained this to XXXX and there should have been an agreement and leniency due to what is going on in the world. 
I do not feel that this should have hit my credit this way as I explained and tried to make arrangements.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery has reported me to credit bureaus stating that I owe them money. However, when I dispute the claim with them, the credit bureaus, the XXXX XXXX XXXX, and state agencies, all documentation they send states " This communication is from a debt collector but is NOT an attempt to collect a debt. '' Everything! They don't ask for money. When I offered a settlement, they didn't even respond. So why are they reporting me as " owing money '' if they are NOT collecting a debt and they refuse to acknowledge offers of payment? This sounds like slander and/or libel. Can you explain to me why they are NOT collecting a debt but are reporting me as owing a debt?
Consumer complaint received 2020-07-02
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 HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY REPORT
Consumer complaint received 2021-02-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Continuation of Complaint # XXXX You closed my complaint solely by relying on the documents Infiniti provided. That is wrong. I did not request copies of the documents I already possess. I filed a complaint because my decision not to have minor repairs on my vehicle at the time of lease return was a result of misinformation, wrong guidance, wrong advice I received at XXXX Infiniti dealership. Infiniti hires advisors to assist laymen like me at the end of the lease return, and their job is to give a consumer like me accurate information and advise of possible additional charges, if any. I took the time to take my car to XXXX Infiniti to avoid these charges. And I was advised that there would be no charges. I was misguided and misinformed and relied on that information. I trusted the dealership advisors, took his advice to return the vehicle as is. 

I am aware of all the documents Infiniti provided here. The issue is not the documents, the issue is XXXX Infiniti dealer advisors, where I took my car and they told me that there would be no additional charges, they inspected my car at the dealership and told me that. I am not crazy. I am not making this up. I don't have to. The problem is the Infiniti dealership giving me inaccurate and misleading information at the time of visual inspection. XXXX Infiniti misguided me and gave me wrong information and misdirection. If they did not tell me the vehicle was fine to return at the condition it was at that time, I would have paid then and had it fixed instead of returning it in the condition it was. By simply providing me with the copies of documents that I already have, Infiniti did not address my concern. I request explanation ; because of the misinformation I received from the advisor at XXXX Infiniti dealership, I relied on that information and returned my vehicle the way it was. I trusted the advisor. I request an explanation as to why the advisor working in XXXX Infiniti misled me, and gave me wrong advice and information as to the condition and possible additional charges at the end of lease return? Because of Infiniti advisor 's actions I incurred these charges. I know better than that to have some issues fixed to avoid such excessive charges. This is not a response to my inquiry and request. This is simply covering up an issue of Infiniti hiring wrong advisors and allowing them to XXXX people up.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

The Fair Credit Reporting Act states : Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

- I opened a XXXX XXXX  account in XX/XX/XXXX - The account went to charge off status in XXXX - I paid the charge off amount, I'm uncertain of the date - The negative account 's age is beyond 7 years and thus should be removed, especially considering that there's no money owed - I disputed the account, and it was deleted in XXXX of XXXX - 3 months later, the account reporting re-appeared - I disputed the account again, XXXX  or Experian  is refusing to remove it - The account is removed from XXXX  and XXXX, it only reports negatively to Experian
Consumer complaint received 2020-10-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Porsche Financial Services, Inc. (NJ)

I have never had a late payment in my life. I had a lease with XXXX that I terminated early and paid off. But yet, during COVID-19 when  Congress passed the CARES ACt to protect consumers ' credit, I was marked late in XXXX and XX/XX/2020. How is that possible? 

I had a 60-month loan that I paid off early and I get marked late after I pay it off? That does not make sense to me.
Consumer complaint received 2021-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (LA)

I was injured by a product I purchased online at XXXX by a third party seller in XXXX. This seller kindly agreed to cover my out of pocket medical expenses because I am a senior citizen on a fixed income and need these funds quickly and PayPal was the only way a XXXX citizen could send the funds quickly to the United States so I opened an account with PayPal. Immediately PayPal froze the funds and suggested they had seen " suspicious '' activity on the debit card I had placed in the walled payment section of the app. No evidence was given as to what exactly they meant. Then had the nerve to send me another email, which I have uploaded, suggesting I 'had not responded fast enough to the previous email? '' At first I just sat at my desk trying to process what I had just read, then I because angry and offended because they are suggesting they will hold these funds from me for as much as 21 days till they decide I can have it. This can not possibly be legal. Trying to speak to an actual person is impossible as you have to deal with a chat bot that has no idea what you are trying to tell it. I need those funds now and it is very important due to the medical condition I am having due to this injury and for me to have to somehow prove I am not a criminal is beyond anything I have ever seen. The fees PayPal charges are literally highway robbery. They took out almost {$10.00} from these funds right off the bat and will take another {$10.00} if I ever am allowed to transfer my own money to my bank to the tune of some {$20.00}. PayPal needs to be investigated for not only charging these ridiculous fees but slandering their own customers in the process.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (IL)

The Fair Credit Reporting Act states : Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

- I opened a Discover Card account in XX/XX/XXXX - The account went to charge off status in XXXX - I paid the charge off amount, I'm uncertain of the date - The negative account 's age is beyond 7 years and thus should be removed, especially considering that there's no money owed - I disputed the account, and it was deleted in XXXX of XXXX - 3 months later, the account reporting re-appeared - I disputed the account again, Discover or XXXX  is refusing to remove it - The account is removed from XXXX  and XXXX, it only reports negatively to XXXX
Consumer complaint received 2021-09-08
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2020-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA (TX)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2021-02-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF THE WEST (CA)

XX/XX/2021, I've contacted Bank of West at XXXX regarding " Lien Release '' charge SB2 for {$75.00}, they gave me order number " XXXX '', then XX/XX/2021, I've contacted them again, talked to their supervisor Mr. XXXX XXXX, and he asked me to send the documents with fax to XXXX, I did that on XX/XX/2021 and follow up with them onXX/XX/2021, but unable to talked to Mr. XXXX XXXX, then I called again onXX/XX/2021, this time I've talked to XXXX, she said their company has denied my request since I have to deal with the XXXX County and ask them to get the refund. As I have explained to them several times : The Bank of West has failed to mention to XXXX County that this is an " Owner Occupied Property '' and should be exempted from SB2 charge. But they just refused to admitted their mistake and refund the {$75.00}.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do have an Extended Fraud Alert and my phone number is listed there twice. XXXX XXXX decided to damage my credit by placing a hard inquire that I never authorized. They claim it was as easy as someone called with my information and applied for credit. I do have an excellent credit score, but the criminal who called with my information did not get approved. That means XXXX XXXX already knew he is a fraudster. 
I called XXXX XXXX and spoke to several people for about an hour to verify my identity. Even after giving them personal information that they already have they demanded more information which is something they established they are not worthy of keeping.
Consumer complaint received 2022-10-23
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: Grain Technology, Inc. (SC)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments postedon my credit report : XXXX XXXX XXXX XXXX # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (AE)

I am currently XXXX to XXXX XXXX and was in need of cash. I contacted Navy Fed to have money sent to me via XXXX XXXX, which is one of the services advertised as available to me as a Navy Fed member. Because it was sent from an institution rather than an individual, the local XXXX XXXX locations ( I tried 4 different ones ) were unable to process it. I contacted Navy Fed and was told " oh, we've had a problem with this. '' After spending 4 days going back and forth between Navy Fed and XXXX XXXX, still unable to access my money, I asked that the money be returned to my Navy Fed account. I was then informed that it would take 3 months to get back. If I had been warned that Navy Fed had previously experienced a problem with XXXX XXXX and that if I experienced the problem it would be 3 months before I got my money back, I would never have gone through with the transaction. I have spoken to several Navy Fed agents and escalation agents who have all taken the position that " it's not our fault, it's XXXX XXXX 's fault, so we can't help you. '' I don't bank with XXXX XXXX, I bank with Navy Fed and expect Navy Fed to stand by whatever third-party companies they do business with. When there is a problem, I expect that Navy Fed, who I bank with, will work to resolve that problem. Making me wait 3 months, while XXXX, to receive my money back is not resolving that problem.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (MI)

The credit bureaus stated my account was properly investigation but how is that possible if there are several inaccuracies including last active dates, last reported dates, high balances and payment histories. This is grounds for removal. They also violated my rights under these laws : 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 an account without my written instructions. 

Attached below is a copy of my drivers license and social security card as well as a copy of my XXXX credit report identifying incorrect discrepancies via highlighted sections.
Consumer complaint received 2020-10-08
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. (CO)

I have tried 4 times to get the credit bureaus to remove accounts that are in violation of my rights and I have yet to get 1 reply from any of the 3 Bureaus and the accounts remain on my credit report. The accounts are collections and they either are reporting the account as an " open account '' have listed a past due amount as well as they are reporting me late 120 days. These are all FCRA violations to be doing any of these things on a collection account and they refuse to remove them or even reply to my disputes.