davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FinCo Services Inc DBA Current (CA)

Since XXXX I signed up for this card called Current. XXXX kind of promption and now its hitting commercials. I haven't had any problems when i received it. Adding little money here and there. So I made a decision to put a big amount that I worked for into this account due to my spending habits. All of a sudden my account is under investigation. I don't know why. I called, there phone service is by a computer. I text the self service operator and no one can help me with this issue. In XXXX, I left it alone, to see that money can be added to my account from using and return car parts from a issue with my breaks. 
However, In my other account is max out no funds. My " Current '' account is my rainy day money, I cant do anything just look at the amount. So as of XXXX I called plead, I cried nothing. No one can help me. I canceled the old current and signed for a replacement just to see if there is a difference. Got irritated ask for a cancellation. Waiting o a new card in two weeks. But nothing from the Current card service. Just to read again that NOW my card is on over review with the high bureau. Which I think I bullocks. I asked for a check and to not be a Current card shareholder, I just want my money and be on my way. Nothing once again. I'm a single hard working mother and I just moved. Its very irritating and frustrating that a computer bank is messing up my life.
Consumer complaint received 2021-06-28
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. (SC)

I sent XXXX, TransUnion and XXXX a complaint about an account and inaccurate inquiries that has been reported on my credit report. I sent them formal XXXX dispute letters on XX/XX/2021 and haven't been able to get a response back after 30 days. I sent an additional 30 day demand and compliance letter once the time period of 30 days has passed and I still haven't received any response. They haven't been able to verify the inaccurate account that they are reporting on my credit report and I would appreciate it if they were to remove them immediately.
Consumer complaint received 2021-06-28
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. (SC)

I TRIED TO DISPUTE THE 2 COLLECTION ACCOUNTS THAT DON'T NOT BELONG TO ME AND GOT NO RESPONSE
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (AZ)

I have made several attempts to get an unvalidated Cox Communication account removed. Several attempts have been made over the past 6 months to get full validation of who, when, and where the Cox Communication was confirmed by. I honestly do not believe anyone is doing an investigation because if so, they would be able to produce the documentation within the legal time frame.
Consumer complaint received 2021-06-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion LLC, located at XXXX. XXXX XXXX XXXX, PA XXXX has been receiving letters from me since XXXX of 2020 regarding an account, XXXX XXXX XXXX. I have submitted letters on my behalf asking them to " verify '' this account according to the FCRA rules and regulations. They have failed to do so each time. The response is always it has been " verified '', but they never disclose how. I have been compliant with whatever is asked of me from them ( submitting police reports for identity theft ) and still they fail to comply according to the rules and regulations, which states, that they, in fact must submit proof as to how they " verified '' this debt. The debt in question does not belong to me. I never resided at the residence that is charging me with the debt. Please review the attached documents from both me and Transunion. Upon review, you will determine that they are not providing any proof as to how they can prove this erroneous debt belongs to me. They need to be held accountable for being non-complaint.
Consumer complaint received 2021-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors' Protection Service, Inc. (MO)

Today I spoke with 2 individuals ( one named XXXX ) at CPS- Credit Protection Services , but I called back after hanging up on the first young lady as she was rude. I was informed that they could not send me another statement for services that they billed me for in XXXX. I'm not certain how a company is calling to collect on a debt that they are not willing to redisclose information on to the owing party but this practice is extremely alarming and frustrating. I was told I would have to write them to request a statement, something that is also alarming. I will not be paying anything nor requesting a bill for services they claim I had.
Consumer complaint received 2021-06-28
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: Experian Information Solutions Inc. (CO)

Since Experian requires one to use their XXXX system which I have set up many times, they keep sending me emails telling me they don't find any bill payments thru XXXX  and they will soon delete my account. When they aren't able to connect to your accounts thru XXXX, they decrease my XXXX XXXX which is terrible! I have spent hours on the phone with Experian trying to get them to fix the XXXX system to work with my accounts, but they tell me they don't know if they can fix it and don't know when that might happen anyway. In the meantime, my XXXX XXXX keeps going down due to their broken XXXX system. Experian is the only credit reporting company that has my XXXX XXXX under XXXX which really affects my credit rating. I want Experian to stop using XXXX as a means of calculating credit scores since it is so broken and can't be fixed!!! Can CFPB do anything about this problem? 

Here is the Subject line of my XX/XX/21 email from Experian : Re : XXXX, important : Your account through Experian Boost could be removed
Consumer complaint received 2022-06-20
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: Paypal Holdings, Inc (TX)

I ordered a software called XXXX that supposedly would increase my chances of getting sneakers. The ordered was placed through PayPal on XX/XX/XXXX. The transaction was posted on my XXXX XXXX account on XX/XX/XXXX. 
The company that sells the software/app called XXXX advertises the app in a very deceptive way. I called XXXX XXXX to dispute the charge as the company claims they don't issue refunds. XXXX XXXX said they could do nothing about it because the transaction was made through PayPal. I contacted PayPal on XX/XX/XXXX, they in turn contacted XXXX XXXX XXXX XXXX XXXX XXXX stated that I wold not get a refund and they shared their terms and conditions. XXXXXXXX XXXX XXXXXXXX made it seem to PayPal like they sold me a product that I just do not know how to use. When in reality, they sold me a software that just works as an autofill option and only works on items that do not need any software to be purchased. This makes the purchase and software pointless. 
Paypal ruled in the merchants favor because they stated I did not receive a damaged item, I have worked for a company that does bait and switch, XXXX XXXX XXXXXXXX is definitely one of these. XXXX XXXX XXXX advertises something, sells you another thing and then makes you seem like the bad/incompetent one to the financial institutions. I took this long to make a complaint because I just now realized that I could do this. 

https : XXXX I attached images of the conversations, they make the bot seem like something that is very desirable. Only people who would pay more than what I paid are people who are even less informed than I was.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX never sent any documentation over to XXXX XXXX  about my student loan tpd to XXXX XXXX as stated by them and XXXX says it sounds like when I first started my tpd it was a different process but either way I sent over my XXXX form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. XXXX told me to tell them to send over my credit report and they will send over the correct information. After disputing my XXXX XXXX score dropped XXXX points and my rate went up {$1.00} according to alerts. Trans union has closed out my report because nobody is sharing my credit reports to XXXX also the loan department of XXXX has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also XXXX a new company only contacted me three times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.
Consumer complaint received 2021-06-28
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. (GA)

I began disputing an unverified bankruptcy with Transunion in XX/XX/2020. I have sent this institution multiple disputes requesting that the unverified item be investigated and removed from my Transunion credit report. Every time this institution responds with the item is verified and the data furnisher is the XXXX XXXX XXXX GEORGIA. I have reached out to the ( XXXX XXXX XXXX  GEORGIA ) via USPS mail as well as physically visiting the CLERK OF COURT located at the ( XXXX XXXX XXXX DIVISION ) on multiple occasions requesting information on their process of releasing public records information to 3rd party for-profit agencies. Each time I was given the same response, The court does not share public record information with 3rd party or for-profit agencies. I have forwarded the response to Transunion on multiple occasions and requested that the unverified information be deleted from my Transunion credit report. Transunion continues to report the unverified on my credit report as verified and accurate as seen in supporting document # 1 dated XXXX. This is a violation of the Fair Credit Reporting Act. I want the unverified information deleted from my consumer profile immediately and updated. Please refer to the attached supporting documentation.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

The escrow amount on my mortgage changed and I didn't know it had changed. I have automatic payments setup in my XXXX  XXXX XXXX account and have NEVER been late on a mortgage payment. My normal payment of {$1200.00} was received by 53rd bank on time as it always is but because the mortgage amount had changed and I didn't know, they did not post my payment to my mortgage. The difference if {$32.00} was only a change in the escrow amount yet they didn't apply my payment and hit my credit report with a late payment, which I was not late. 

I have been in the process of refinancing my mortgage, but I can not do that now due to the late mortgage payment report and the subsequent 200 point drop in my credit rating, which has been Excellent. 

I am very upset about this and it is costing me the opportunity to refinance my mortgage and save {$300.00} per month with the lower rates. 53rd Bank 's negligent handling of this is impacting me financially. I also would like to purchase a used car but will not be able to now due to the credit damage they have caused. 

I would like the late payment entry removed entirely from my credit report and my credit rating restored to Excellent immediately. Thank you for your assistance.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

My individual checking accounts with JP Morgan Chase Bank ( Chase ) were hacked five times by parties unknown to me who were able to access my accounts without my knowledge or consent and fraudulently and illegally withdraw ( steal ) funds through outgoing wire transfers to third party accounts. Chase has refused to fully reimburse me for my funds that were entrusted to them. Furthermore, they have refused to provide me with any information as to what, if any, action they've taken to investigate these illegal acts and recover my funds.

Chase apparently has taken the position that I'm somehow at fault or contributed in some fashion to the first two hacks and illegal wire transfers, and they have refused to reimburse me for the funds that were stolen on those two occasions. I obviously could not have anticipated these hacks and illegal wire transfers ( that occurred in the dead of night ). I do not use wire transfers in my personal banking affairs, as I've repeatedly stressed to Chase representatives. I requested the wire transfer function connected to my accounts be disabled and was repeatedly assured by Chase representatives in Customer Service and Technical Support that it had been, yet the hacks and illegal wire transfers continued.

I have literally spent hundreds of hours attempting to resolve this matter before contacting the CFPB. I filed a formal complaint with the Executive Office of Chase in XXXX, TX via certified mail delivered XX/XX/2022. My complaint was assigned case number XXXX. I received an email from a Chase Executive Office Specialist ( researcher ) by the first name of " XXXX '' with whom I've spoken twice by phone ( the last time on XX/XX/XXXX ). She told me my case was under review by " legal '' but couldn't or wouldn't provide me with any additional information or tell me when I might expect resolution of my case. 

I wish to stress I was a loyal, longtime customer of Bank One and then Chase. I have been treated in a callous and unscrupulous manner by Chase. They have no grounds for withholding reimbursement of the funds that were stolen from me due to their lax security measures and negligence, and are in breach of their fiduciary duties.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I scheduled a payment online on XX/XX/XXXX to come out on XX/XX/XXXX. I received a confirmation number. XX/XX/XXXX the payment was credited to my account XX/XX/XXXX. on XX/XX/XXXX I received an email saying my payment was returned. I called customer service on XX/XX/XXXX to ask y it was returned. I was told to call my bank and ask why it was returned. The bank told me that there no transactions from the credit card company or any other blocks or holds on my account. I called credit card company back and told me the payment was processed to another account iv used in the past. I know for a fact I didn't process any payment from that account because its closed. The returned payment caused my credit card account to be over the limit {$52.00} and it was reported to the credit bureaus and impacted my score negatively. I told the agent I wanted my account to be brought back to current since I wasn't the one who processed the payment from the wrong account. the agent offered to credit my account for the late fee of {$25.00} I told him I wanted my account brought to current for the entire amount of {$52.00} he said I was responsible for making the account current. I asked for his supervisor I explained the situation over she said she was gon na speak to technical 's support to find find out what happened when I scheduled the payment. As I was on hold I checked my app that I used to make the payment and the option for that closed account wasn't available. I believe I deleted that account from the app months ago so I wouldn't create confusion for myself when scheduling payments. The supervisor agent came back on the phone and said once the payment was returned the app deleted the payment option from from that closed account. I asked her to get tech support back on the phone ands when it was deleted. she then asked what my desired out come is I told her to make my account current because as a result of them processing a payment from a closed account my credit card account was over the limit and negative information was reported. she told me tech support couldn't give the info on when the closed account was removed from payment options but then disclosed that the same account hasn't been used in the app since XX/XX/XXXX. They tried to convince me I selected the wrong option to make a payment from when I know I didn't. I believe their system selected a wrong account which has been closed for months to make my credit card payment when I know I didn't select that account in fact I believe I deleted it myself personally. This has also affected my credit score because negative info was reported
Consumer complaint received 2021-06-28
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)

I XXXX XXXX intend to secure my right to privacy and Portfolio Recovery Associates, LLC breached my privacy pursuant to the Fair Debt Collections Practices Act. 

I demand they remove my information from their website, company records, or any and all derivatives therefore, of, and/or with any affiliates to ensure my privacy rights won't be violated again due to my lack of consent. 

I demand Portfolio Recovery Associates, LLC shows good faith in this matter by expediting the securing of the alleged information listed on their site in order to avoid me receiving further injury, damages, mental anguish, and losses due to their clear violations of 15 U.S. Code 1692.

Portfolio Recovery Associates, LLC used false, deceptive and/or misleading representation or means in connection with the collection of an alleged debt. This is a clear violation of 15 U.S. Code 1692e.

Portfolio Recovery Associates, LLC was also in violation of 15 U.S. Code 1692b ( 2 ), 15 U.S. Code 1692b ( 5 ), 15 U.S. Code 1692d ( 2 ), 15 U.S. Code 1692d ( 1 ) in their communication with the consumer XXXX XXXX. 

Portfolio Recovery Associates, LLC willfully and knowingly failed to comply with multiple provisions of 15 U.S. Code 1692 and are in fact civilly liable pursuant to 15 U.S. Code 1692k.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, LLC showed my credit score to be XXXX on XX/XX/2021. On XX/XX/2021 my credit score dropped XXXX points to a score of XXXX. The only activity on my Transunion account was a request from XXXX/XXXX  to remove all information in regards to their account from my credit history. This request was sent to all three credit bureaus and should not have affected my credit score with Transunion. There was no information concerning any XXXX/XXXX  currently or history on my Transunion credit report. 
The other credit bureaus increased my score by approximately XXXX points after the XXXX/XXXX  removal. There was no negative credit information reported to Transunion on my account and no reason to lower my score.
Consumer complaint received 2021-06-28
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. (MO)

On XXXX I submitted a dispute to TransUnion regarding a Bankruptcy on my credit report. They send a letter dated XXXX indicating they contacted the US XXXX District Bankruptcy Clerk 's Office in XXXX  XXXX, Missouri and stated they verified it as accurate. I contacted the courts office and they stated they do not report or verify any tradelines with credit reporting agencies. They lied and used the courts in a false and misleading way. They should stop using official court representation for something they are not doing.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I filed a dispute to the three credit bureaus about a bankruptcy REF # XXXX being reported on my file and all the agencies responded that they validated the information with court. So, I wrote the court and asked them how they validate information being reported to the credit bureaus and their response was, ( we do not report to any case information to credit bureaus ). See attached response. So either all three credit bureaus made a clerical error in their response to me, or they simply lied to me. Either way, the reporting requirements do not comply with FCRA 611 ( 15 USC & 1616811 ) Nor do they comply with ( 15 USC 1681e ) Compliance Procedures for ( Maximum Possible Accuracy ). Therefore they must delete the information immediately.