davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX, XXXX and XXXX of 2020. At the beginning of Covid, XXXX XXXX has reported late payments on my credit report for these months. I thoroughly explained to XXXX XXXX that a bank error ( due to Covid ) caused some type of payment reversal. The bank explained to me that this was their error and apologized. However, their apology did not fix my problem with this reporting on my credit report. I wrote to XXXX XXXX, Transunion, XXXX and EXXXX  explaining the problem. No one as helped. They know darn well when the pandemic hit, lots of businesses experienced all type of problems of computer issues due to staffing etc. This issue caused a significant drop in my credit report. I had been trying feverishly to stay on top of my credit after experiencing problems in the past. I vowed to never be in that situation again unless some tragic happened that prevented my from paying my bills. This was not the case at all. I had plenty of money in my account to cover the XXXX XXXX  monthly payment. It was not until months later that I found out about this error after reviewing my credit report. This has caused me great undue stress and I want it fixed ASAP! Or I will push further and be a thorn in the side of XXXX XXXX, Transunion, XXXX and XXXX. They can clearly see that I had a 3-4 year perfect pay history on this account. They shouldve taken this into account after I pointed out the error and explained what happened.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (LA)

I was searching for a house to rent and I found one on XXXX market that was in my price range, XXXX the person on XXXX and gave them my phone number and said they would contact me back. They contact me through my phone and gave me information for the house I told him I was interested I wanted to put an application and pay the {$220.00} of application fees on XX/XX/XXXX. On the same date I was told we were approved for the house I needed to send a deposit to secure the house. I sent {$1200.00} through XXXX. they said they would send the keys through the mail and they were never received after two weeks of trying to get the keys in setting up meetings that they never showed up for at the property they let me know they never received the deposit. They instructed me to call my bank and check what was going on with the transaction. I called my bank and my bank let me know that the transaction was done on my side but they had not received the money into their account and I open they were dispute. After this was in informed to me Ill let them know that I would be willing to pay cash for the deposit. They instructed me to buy a {$600.00} gift card and give the rest in cash. I bought the gift cards and send receipts. On the day we were supposed to meet to receive the keys he wanted me to open the package and send in pictures of the numbers of the card which I refused. They got upset saying they would no longer meet us because I did not want to follow their instructions. Which I said I was five minutes away to just come get the cards from me and I would give them to them in their hands. They said they were going to meet us and never showed up even though it was an hour away from our home. I called today to check the balance on the card and they said they were used on XXXX and XXXX. They had a balance of XXXX XXXX on them. On the receipts there were numbers for the cards but I never sent the numbers on the card.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (TX)

Chase offers a service called Pay Over Time, which allows a cardholder to split up payments from large services into smaller ones. 

I made an XXXX XXXX purchase using this card, because I knew I could use the Pay Over Time feature. 

However, after getting notifcations in the app that my XXXX XXXX purchase was eligible for Pay Over Time, yet I could not activate the service. I contact Chase by phone and the respresentative kept reading from a script and not addressing the issue. So I sent in an email.

In the email process, it was discovered I still had a Pay Over Time purchase still on record, but it had been paid off months back. Chase researched the issues and found out there was an error in the system. The error has been fixed, but I'm still not able to use the Pay Over Time feature on my XXXX XXXX Purchase. 

After further discussion with Chase, they kept giving me the run around, and took weeks for a " supervisor '' to provide me with a generic answer. At no time did they offer to fix my issue or offer any type of compensation for their error causing me having to pull money out of other savings to cover the purchase ( so I didn't pay interest, as I could not use the marketed feature ). 

They sent me an email stating they would not address my issue anymore unless new details came up; but they never addressed the issue. They admitted an error which negatively impacted me, and now I'm out almost {$900.00} all at once, which was not planned or supposed to happen if they abided by their own terms and conditions. 

I would like Chase to refund me half of XXXX XXXX bill in a check ( not an account credit ) or ideally, refund me the full amount as again, they admitted a system error happened which affected my ability to utilize the features of my credit card as advertised and their customer care team was more focused on trying to close out the case, delay me, give me the run around, basically stall me in hopes the issue would go away instead of abiding by terms and conditions as set forth by them and financial regulations.
Consumer complaint received 2020-07-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently paid off a truck loan ( XX/XX/XXXX ), activity was reported on XX/XX/XXXX and XXXX dropped my credit score 23 points without reason or explanation. I called XXXX  XX/XX/XXXX @ XXXX to inquire and XXXX, the customer service representative acknowledged that she don't know or understand why. As an XXXX American  male I've been a victim of this kind of discrimination for years and I need answers.
Consumer complaint received 2021-12-15
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. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NC)

I have been a long time Chase Marriott Credit Card Customer. On XX/XX/21 I received a letter from Chase advising my account was past due. The letter stated " bring your account current by paying XXXX right away. '' I was not aware of any {$40.00} purchase, so I called Chase. I was advised that I had paid a {$240.00} ( ish ) bill on XX/XX/XXXX, but the bill was {$240.00} and I was therefore XXXX delinquent. I asked what I had purchased for {$40.00} that was delinquent and I was told that was the current minimum payment for the card ( my renewal fee which was on my XX/XX/XXXX bill, not due until XX/XX/XXXX and therefore not late ). So Chase was dunning me for XXXX and attempting to make it appear that I actually owed {$40.00}. No one was able to explain why this was being done, but it is clearly improper to XXXX me for a bill that is not yet due. Further, to take this level of action over XXXX on a card that is always paid on time and in full ( except, apparently, this once for XXXX ). Finally, I note that I did not receive any invoices from Chase in XXXX or XXXX advising me of the outstanding sum of XXXX. Had I received an invoice, I would have paid it. Chase 's actions are very unfair to consumers - I was super stressed, concerned that my credit report would be impacted due to a late payment. I wasted 30 minutes on the phone with Chase only to learn that this was all the result of a XXXX issue. I have since cancelled my Chase card as I believe their actions to be a violation of consumer laws.
Consumer complaint received 2020-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX COUNTY COLLECTIONS ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 and has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, these accounts have violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-22
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX # XXXX These account have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, oth
er than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2020-12-03
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. (FL)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items
Consumer complaint received 2021-10-20
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. (WA)

Under RESPA my loan should never have been reported as late as I am protected from any lates fees and/or late reporting for 60 days within my loan transfer. XXXX XXXX  recieved my loan on XX/XX/2020 and went ahead and reported me late to my credit report on XX/XX/2020 along with charging me a late fee on the XXXX which was finally waived, however they have failed to remove the 60 day late on my credit report which is negatively effecting my current loan application Under RESPA they are required to immediately remove this reporting and fix their violation, instead customer service informed me they would review their mistake, which they admitted and wrote notes on, however it would take up to 60 days, whereas they should have immediately inputted a request for immediate action This is a major violation and needs to be corrected as it is costing myself damages in loan approval based on their inaccurate reporting furthermore they are continuing the negligence by failing to remove the information immediately as required by law instead choosing to give me 60 days for a review.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello, yes I have 2 accounts that are showing 2 late payments on each of the 2 accounts. Both of these late payments on both accounts were from the result of my accounts and my checking accounts being fraudulently hacked into and my accounts and assets being frozen until the security breach was fixed on all my accounts. Which because of this made it to where my payments where processed by them after there security breach was fixed. Not because I failed to pay the payment. All my payments are set up on auto pay, I feel like the security breach that caused them to freeze all activity and not let my automatic payments go through was not my fault therefore I should not have to have my credit damaged because of it. Ive disputed it through XXXX XXXX  and they couldnt help me and I kinda been feeling ran over and helpless. So there is when I reviewed and found out about filing a complaint with you all. I just think its messed up that they let people hack there systems and dont protect my account informations any better than they do but then on top of that try to make me look like I dont pay my bills on time. When if there was any reason for them not pulling my payment from my checking account on time was because of a security breach or fraudulent activity on there part. Ive been building my credit for a good long while now and take pride in working hard and paying my bills on time and its just really frustrating to have some XXXX dollar cash enterprise try to take that away from me because they dont wan na admit there own weak security and processing system. I pray this reaches someone with a drive to help me. Thank you for your time and god bless.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

The IRS has sent me notice that this account has been satisfied! This account is still being reported as debt and income can not be reported as debt. 

Your company can not report income as debt. This account is settled per IRS and MUST be deleted immediately. 
I did not give permission or written consistent to furnish this information on my report. 
I am a private citizen this is in violation. I have a right to privacy. 

These are the accounts that were excepted by the IRS AND SHOULD REFLECT AS PAID as agreed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equity is my GOD GIVEN RIGHT!
Consumer complaint received 2020-12-03
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and fradulent accounts that are on my credit reports. It has been over 45 days and I have not received a response from the credit bureaus. At this point I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) clearly states that failure to investigate these items in 30 days gives a reason to immediately remove these items from my credit reports. It has been over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten my info into the hands of the wrong person. 
The accounts I am referring to are : XXXX XXXX XXXX {$0.00}, XXXX {$5700.00}, XXXX at Midtown {$2300.00}.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

PayPal - negative {$7400.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$7400.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$7400.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (LA)

XXXX XXXX of Louisiana sent me to collections with XXXX XXXX XXXX and Mitchell D. Bluhm & Associates , LLC Attorneys at Law for a XXXX service from XX/XX/XXXX. 
1. I did not know I owed a debt to XXXX. I have not received any previous bills. 
2. There are no details about the debt or the service I received for me to verify the debt on the bill that I received from the law offices. 
3. This is the first notification I received from the collections lawyers and on the letter they threatened to report to credit agencies and they did so dropping my already suffering score 42 points. 
4. A representative from the office called and when I attempted to ask questions, that person hung up the phone while I was talking. 
5. On XX/XX/XXXX, I was temporarily laid off from my job.
Consumer complaint received 2020-07-07
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

As a result of injuries I acquired from an on the job slip and fall, I was placed on XXXX leave in XX/XX/2019. That same month I made contact with XXXX XXXX XXXX   XXXX XXXX notifying them of my interuption of my employment and pay. They sent me forms for medical verification of my injuries and treatment. These were filled out and submitted by my doctor and myself and were faxed to XXXX and XXXX. Every month My XXXX account was showing not paid, I would call and was told that it was being processed. Finally in XXXX of 2019 the account received a balloon payment of {$150.00} to cover payments for XXXX, XXXX, XXXX, and XXXX. But my credit report shows 4 late payments to this account, indicating that the account was 120 days late in a payment being made. Prior to this period I had made all my payments on time. XXXX had even given me a {$300.00} increase in XX/XX/2019 necause of my excellent payment history. But because of XXXX 'XXXX delay in paying my account, my credit report shows 4 late payments and a credit line reduction of {$300.00}. After a year of XXXX making only minimum payments to my account, I resumed making the payment to my account on time and paying off the balance in three straight months of payments. I did what I was supposed to do and my credit is taking a hit because XXXXXXXX did not make the payments on time. I have been disputing this account withe credit bureaus and with phone calls to XXXX, who says I have to dispute with XXXX, and XXXX who says that I have to dispute it with XXXX. Both are the same entity. Every dispute reply is " meets the requirements '' and nothing is done to correct the problem. My credit is damaged by their delay in payment even though I paid for this account protection plan when I opened the account
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

PayPal - negative {$2300.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$2300.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$2300.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.