davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
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. (IL)

Ive disputed a XXXX XXXX XXXX XXXX XXXXXXXX Reference number XXXX, XXXX with the credit bureaus Experian, XXXX, and XXXX -Which one of them ( Experian ) confirmed the public record was verified by the court. I asked Experian to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NC)

This is in regards to my Paypal Mastercard through Synchrony Bank. They offer a 2 % cash back on all purchases. Initially I had no problem received the cash back rewards but I did not receive anything for my XXXX statement. At that time I quit using they card due to multiple customer service issues. My XXXX purchases totaled {$25000.00} and I am owed {$500.00} in cash back rewards for that statement. I contacted Synchrony mid XXXX about this issue and they said my new card needed to be activate for the rewards to show up. We took care of that and couple weeks later still nothing. I called them again and the rep said it would take couple more weeks. Still nothing so I called again, Rep said he sent an email and that the rewards should show up in a couple of weeks. I am tired to calling them with no resolution and I am hoping your group might be able to help in this matter.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

XXXXComenity Bank XX/XX/XXXX i paid remaining balance of {$63.00} and instructed them to clpse my account. 
I was then charged a {$29.00} fee XX/XX/XXXX I paid that fee I was then charged an additional {$40.00} every month stating late fee and interest and finance charge on top of that.To date I have made NO purchases. I closed the account XX/XX/XXXX They are now stating I owe more than {$300.00} I have stated several times that the account was closed in XX/XX/XXXX by calling and emailing them. My most recent response was someone from XXXX XXXX saying they are handling this account and I owe the money. This is fraud
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I attempted to send money to a friend in the total of {$69.00}. PayPal led me to believe this person had an account when searching their email address and name by showing them as a user and publishing her photo. After they removed the money from my account I contacted the friend to ask if they received the funds. She informed me that she no longer has an account, does not have access to an account, and that PayPal was not allowing her to accept or decline the funds. After repeatedly contacting PayPal, they have informed me they will not return the funds and since the other individual cant accept the funds, PayPal will be keeping the funds for themselves. This practice seems not only misleading- they are showing individuals as having accounts and going so far to show their photos - when they in fact do not have a PayPal account, but also highly unethical. Additionally, their customer service and complaint process is difficult to find, hard to communicate with, and vague in their responses. To get full information about what is going on you are expected to complete ALL of the following : online forms, telephone calls, and physical mailing of forms to file a file a complaint.
Consumer complaint received 2019-03-19
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: EQUIFAX, INC. (AL)

I have mailed certified letters to the credit bureaus on multiple occasions in an effort to contest inaccurate information on my credit reports with Equifax, XXXX  and XXXX. Each time I get notification that the information is being disputed and subsequently verified and nothing is changed. I challenged 2 bankruptcies that are on my credit reports with Equifax and XXXX  ( XXXX  removed ). Equifax and XXXX   replied that they verified the information belonged to me. I then went physically into the bankruptcy office and spoke on record to individual who provided document stating that they had not verified any information about me with the credit bureaus. XXXX removed the 2 bankruptcy accounts but left 1 invalid/inaccurate account ( XXXX ) that has since been paid off but being reported as a charge off with a balance and negative history.
Consumer complaint received 2022-01-30
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. (FL)

I hold Experian very liable for the poor representation of my credit. I have requested numerous of times to be shown proof of this fraudulent activity that keeps being updating to my consumer report without my permission which I firmly believe is a violation of the FCRA. The creditor XXXX XXXX  charged off my account XX/XX/XXXX and collected on the account as a tax write off but never sent me a 1099-c which by law I should have. Experian only reports what is given to them without concrete evidence of the situation that ruins the consumer ( me ) credit that I hold very important to my life, also my closed off XXXXXXXX XXXX XXXX  loan keeps reporting late payments that are also fraudulent, I was never late on payments. Experian was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I believe every time I send Experian a dispute about this situation they always send my report back as verified which is a violation of FCRA because they never send verifiable proof of who they spoke to or how they get this information. The privacy Act of 1974 guarantees my right to see records about my personal information, subject to the act 's exemptions. I can Correct a record or records that is inaccurate or incomplete unless it's exempt. The deceptive information that is being given out freely to other business about my credit is very disrespectful to me to the law according to the privacy act. Experian violates the law in so many ways when it comes to my consumer. I believe the FCRA states that Accuracy and Fairness should be followed and none of that is being practiced here, this account needs to be deleted at once, example, my charged off credit card from XXXX XXXX is reporting the wrong account number, date opened, last reported, high credit, etc, XXXX erased this account years ago and XXXX is facing litigation dealing with this inaccurate information. When I go apply for things or a new home I am told you are denied for approval because of this account which keeps reporting unlawful behavior. Litigation will be sought out if this matter is not taken care of.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2022-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have items on my credit report I have disputed multiple times and a lot are older then XXXX months I have not been notified from the bureaus or even given any details on how this item was verified hopefully this matter can be looked at immediately
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

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 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

All three major credit bureaus continue to report a bankruptcy on my credit report. The information is inaccurate and I can not get it deleted. I have attempted to dispute with the three major bureaus, they pass me to the data furnisher ( XXXX ) XXXX XXXX then passes me back to the court, the court refers me to the credit bureaus. 

It is a horrible circle and very frustrating. I just want the bankruptcy and accompanying erroneous information about me deleted. The XXXX was never filed, yet they continue to report that it was on my wife and my credit reports. 

Please help us.
Consumer complaint received 2021-11-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (CO)

On XXXX XXXX,2019, a loan was reported on my consumer report in the amount of {$21000.00} However due to this I did my due diligence and began an investigation, it has been brought to my attention that I have been swindle. I suspect that my identity may have been stolen and that a possible crime has been committed by your corporation ( ALLY BANK ). 

Pursuant to 15 USC 1692c ( c )
Consumer complaint received 2021-05-15
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: National Credit Systems,Inc. (FL)

XXXX XXXX is in violation of Florida Statue Chapter 83 Part II concerning me I contacted XXXX XXXX to complain about the serve victimization against me at the XXXX XXXX prior to this debt being submitted. On XX/XX/2020 I contacted the XXXX County Sheriffs department because I was repeated victimized by the management and staff of the XXXX XXXX. I began reporting the issues immediately when I realize employees of the XXXX XXXX now XXXX XXXX were illegally entering my apartment, stealing, eating my food and helping them selves to my clothing and shoes among other things, accessing my computers and other electronic devices. I contacted XXXX XXXX numerous times and reported the issues. After there was no response to my letters or calls, I submitted multiple electronic complaints through their new tenant communication portal for XXXX XXXX XXXX County. I called and left messages multiple times at the corporate office. No one responded. XXXX XXXX waited almost 14 months to submit an invoice for {$3400.00} after forcing me out due to ongoing safety concerns, theft of my property and destruction of my property. The property manager made multiple promises to put a stop to it including changing my locks to digital locks, however nothing was done.
Consumer complaint received 2021-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had some fraudulent items on my credit report, I submitted this information in a letter to the credit agencies. It has been over 50 days, and I have not heard back from these agencies. Here are the tracking numbers that show they received my mail, but ignored my requests. XXXX XXXX, Transunion XXXX, and XXXX XXXX. These agencies ' neglecting my account has caused me a great deal of distress and to lose various opportunities.
Consumer complaint received 2020-09-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (SC)

I entered into a deferral agreement on my two vehicle loans with Ally in XX/XX/2020 due to the affects the Coronavirus had on my business at that point in time. Attached are a copy of the confirmations for same. 

Ally had reported the accounts delinquent in violation of the CARES Act which requires that a financial institution continue to report  accounts in a current status if they were current on XX/XX/2020 and some type of accommodation has been made or to report the account in the same delinquency status on the account tradeline if it was delinquent as of XX/XX/2020 and not progress the delinquency. 

Ally has caused me substantial damages by reporting my account delinquent. My credit score has fallen significantly, which has not allowed me to get another vehicle loan when my vehicle has needed repairs. I was also in the process of getting a Mortgage for a new construction loan for a new house. This has now had to be cancelled. 

I have contacted Ally directly numerous times, and while they escalated it once I expressed my rights and requested an AUD be files, they have yet to respond to my requests for immediate resolution and or a satisfactory resolution. 

I respectfully request that Ally file an AUD to cure this deficiency immediately to mitigate my damages.
Consumer complaint received 2020-09-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

There are two collection accounts on my credit report by Portfolio Recovery Associates who claim they are collecting a debt they bought from XXXX. I have not signed a contract or created debt with either company. I have disputed the accounts several times with the companies and with the 3 credit bureaus. The credit bureaus and the company keep sending me what looks like a last statement that barely has anything on it nor does it prove my ownership of the debt. I have continuously requested a a signed contract or agreement between the parties and I and have not received it because it does not exist because I did not create a debt with either of those companies. I have asked the credit bureaus to remove the invalid debt several times but they have refused to. They have also send me investigations far past the 30 days that are required.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update the following items in my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX 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 2021-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates, LLC is claiming that I owe on XXXX seperate debts : Account # XXXX in the amount of {$650.00} as of XX/XX/XXXX Account # XXXX in the amount of {$1900.00} as of XX/XX/XXXX When asked on XX/XX/XXXX and XX/XX/XXXX via certified mail, they failed to fill in the date portion to when they actually received my letters denying my right to time stamp them. I asked if they could verify that I in fact owe on these debts and they failed to provide a copy of any alleged contract or other instrument bearing my signature stating that I signed for such accounts. They responded by sending a printout of a bill. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX states that a printout of a bill or itemized document does not constitute verification ( FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX ). 

When asked that they dispute these account with the credit bureaus they failed to do so which violated my protection under the FDCPA section 807 ( 8 ) I believe this is a corrupt company trying to deceive me.
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

I was seeking to rent an apartment on listed on XXXX and XXXX. I found an apartment that I like and requested more info through the sites. I was contacted via email by a person who identified as XXXX XXXX. The person claimed to be the owner of the property. He contacted me and advised that there were several people that inquired about the apartment and in order to hold the apartment for me, Id have to make a deposit, pay first months rent, and a {$300.00} cleaning fee all totaling to {$3200.00}. He advised me that he had a death in his family and was unable to show the apartment as hed be out of town attending a funeral. He also advised that I wire transfer the payment to the following ( via wire transfer ) : Full Name : XXXX XXXX XXXX Bank name : XXXX XXXX Teacher 's XXXX XXXX Bank address. XXXX XXXX XXXX XXXX XXXX NY XXXX Account number : XXXX Routing number : XXXX Type of account : Checking Reference No : XXXX I sent the payment of {$3200.00} to the person. He confirmed and acknowledged receipt. I also signed the lease electronically. 

I felt that this communication was suspicious when he later changed his narrative and advised that the apartment would not be viewed until the day before move in day ( scheduled for XX/XX/2022 ). I immediately requested a refund. The person stated that the refund can not be wired back to me and hed send me an overnight check in the mail. 

I received an email from the person on XX/XX/2022. He claimed that he advised his bank account XXXX to send me a check for my refund and send him a check for his traveling expenses. He claimed that the bank account officer mistakenly sent one check that included my refunded along with his traveling expenses. He requested that I deposit the check as soon as I receive it and collect my refund and immediately forward him the remaining balance of the check. 

I received a check the following day in the amount of {$10000.00}. It did not look legitimate. The check was from XXXX. I contacted XXXX to make sure it was legit. I was advised that they did not have the said claim number or draft number. The was a fake XXXX check. 

I contacted the person back via email and text stating : Good afternoon XXXX, I am in receipt of your email ; as well as the check. Please be advised that I have reported this check as a fraudulent check. This matter is currently under further investigation and legal action has been set forth. Thank you. 

I received no further response. 

On XX/XX/2022, my bank deemed this incident as fraud but denied the money to be returned to my account.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America put a pending debit hold of {$880000.00} on my checking account and a hold on my checking account on XX/XX/2021. Theres was no reason for Bank of America to put a hold on my account or debit my checking account for {$880000.00}. No fraud has been committed on my checking account, and claims I made with Bank of America has been resolved by the merchant. I have my Bank of America XXXX XXXX in my possession, and no fraudulent transactions has been made on my Bank of America checking account : XXXX