davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-06
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. (FL)

XXXX XXXX continues to report an account on my credit report that is has is more than 7 years old and should be removed immediately. They falsely reported that the account was closed in XXXX of XXXX but that is completely false and inaccurate. The account has been closed since XXXX and should be updated and completely removed.
Consumer complaint received 2022-07-23
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. (NC)

I've have Experian XXXX XXXX both in the XXXX since XXXX after XXXX to the XXXX in XXXX and XXXX Experian XXXX XXXX. I've traveled back and forth for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX and returned to the XXXX on XX/XX/XXXX when I discovered someone had been impersonating me/identity theft. I filed and notified all three credit bureaus, XXXX FTC and the companies that appeared on my credit report. I sent a XXXX page package to all 3 credit bureaus and began to back track in hopes of figuring out what had happen and how it was possible. I over XXXX Experian Alerts relating to my information being on the dark web, including XXXX XXXX, my phone number, email addresses and addresses, and Experian XXXX factor of LOW. I rented a holiday home in XXXX, XXXX  with no intentions of changing my XXXX address yet they changed it without my permission or checking with me first. I filed my identity theft claim/dispute via phone and the Experian portal on the XXXX of XX/XX/XXXX, uploaded my documentation and sent hard copies via USPS XXXX XXXX. On the XXXX of XX/XX/XXXX I checked my credit file for updates and a account I did not and was not disputing appeared as a dispute. I phoned on the day and to ask why and after being transferred 4 times spoke to someone and asked why. I wasn't given a clear explanation and but it was intimated I initiated it and I was adamant I did not and they should refer to my cover letter with a clear and concise explanation/dispute/identity claim. I have had an extended fraud alert on my account since XXXX after discovering my personal details were sold on the dark web. Experian was aware yet every dark web risk alert on my profile reads LOW. In addition, I found only one alert notifying me my credit file was unlocked and absolutely NONE pertaining to my credit file being unfrozen. The fact Experian found my personal details on the dark web over XXXX times and considered every incident as " Low Risk '' is unacceptable because I have been paying a monthly membership of {$19.00} for over XXXX XXXX  to keep me and my file safe.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WSFS FINANCIAL CORPORATION (DE)

I have an estate account for my grandmother at WSFS Bank. The estate settled but the account is still pending federal tax payments. As a result, I have not had any activity. However, I visited the Wilmington branch and they said if I left {$500.00} in the account I would not be charged fees. I left {$600.00}. I was then charged inactivity fees so called and was told they would refund the fee and it was a mistake. 

But, I started to be charged fees again. I called and was told again that the fee was a mistake, they would waive the fees and I didn't need to do anything else. 

I started to be charged fees again. I called and spoke to several people, including a Wilmington branch manager ( which by the way she called me honey which was inappropriate and degrading ), she said theres nothing they could do I needed to make a deposit to stop the fees. And would only waive a portion of the fees. However, this is an estate account and I thought legally I was not allowed to make transactions unrelated to the estate. 

I am asking for all of my fees to be returned which is totals around {$80.00}.
Consumer complaint received 2020-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This closed XXXX XXXX account ( last four XXXX ) shows 8 years and 3 months old on my credit reports.This XXXX XXXX closed account should be removed
Consumer complaint received 2020-12-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX XXXX calls me AT LEAST once a week and threatens to sue me for my uncollected debt. They call and dont announce themselves just ask to verify my birthday and address in a very non-secure manner. Theyve used abusive and explicit language on the phone with me over the past 1 year and continue to call me although I do NOT have a sign contract or agreement with their company. Ive told them to leave me alone and they continually harass me. I need to leave me alone so I can have some peace of mind. 

Theyve also assigned my minor account over to an attorney over our disagreement but once again I DO NOT have an agreement or contract with Portfolio Recovery so I have no idea why theyre calling me harassing me trying to collect money that isnt owed to them. When they bought my debt from Capital One it became their problem, not my problem anymore.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Greetings, I rented a car for a few weeks on a few different occasions, on this particular purchase which is my most recent rental, the total charge was approximately {$1000.00} dollars, I had approximately {$550.00} dollars of available credit already on my Capital one card, that would have made my total balance due around $ XXXX {$500.00} ; this is my complaint Capital one Credit card company never deducted the {$550.00} of my available credit and state that I still owe approximately the whole bill of {$1000.00} dollars- to me that's a huge error and if I didn't realize I would be scammed out of alot of money..
Consumer complaint received 2020-12-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC (WI)

I have been contacted multiple times a day everyday by this company. I have told them this is against FTC laws and they say it is not, and they will continue to do so until I pay a balance I do not agree with. This week, I was contacted 17 times. I have tried working with them and they are refusing to work with me or come to an agreement regarding the amount owed.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted Trans Union about the personal information on my account and they refuse to correct the inaccurate information, my correct name is XXXX XXXX not XXXX XXXX XXXX. 
XXXX is my wifes name. I HAVE NO PHONE AT THIS TIME due to a protection order i have in place on another person. 
I WANT THIS CORRECTED ASAP.
Consumer complaint received 2020-12-06
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: Experian Information Solutions Inc. (TX)

I have asked all 3 credit bureaus to investigate an account that XXXX XXXX added to my credit reports. 

In accordance to the Fair Credit REporting Action, Section 609 ( a ) ( 1 ) ( A ), I requested by federal law the verification i.e. through the physical verification of the original signed consumer contract for the account. To date I have not seen or been provided evidence of such. I request to see some verifiable proof which would include an Original consumer contract with XXXX XXXX. The failure to properly verify this account has negatively affected my credit. I respectfully ask that this account be removed immediately. 

In addition, please provide me with verified documents where XXXX XXXX purchased an account which it states that I owe. I have no evidence or documents where XXXX XXXX holds any debt that I may owe. 

Lastly, please remove all non account holding inquiries over 30 days old and add a promotional suppression state to my file as it concerns this XXXX XXXX account.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

XXXX did not cancel the subscription renewal after I told them to. They charged my card again. I told Capital One to reverse the charge since I did not give XXXX the right to charge my card. 
XXXX website does not allow anyone to cancel the account. 
XXXX does not answer their phone line. 
Letter sent to XXXX to reverse this charge. 
I can not use the XXXX services even after they charged my card. 

Capital One did not protect me for the amount of {$29.00} and charged me XXXX for disputing this charge. 

This is wrong of both companies to promote fraud.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked all 3 credit bureaus to investigate an account that XXXX XXXX added to my credit reports. 
In accordance to the Fair Credit REporting Action, Section 609 ( a ) ( 1 ) ( A ), I requested by federal law the verification i.e. through the physical verification of the original signed consumer contract for the account. To date I have not seen or been provided evidence of such. I request to see some verifiable proof which would include an Original consumer contract with XXXX XXXX. The failure to properly verify this account has negatively affected my credit. I respectfully ask that this account be removed immediately. 

In addition, please provide me with verified documents where XXXX XXXX purchased an account which it states that I owe. I have no evidence or documents where XXXX XXXX holds any debt that I may owe. 

Lastly, please remove all non account holding inquiries over 30 days old and add a promotional suppression state to my file as it concerns this XXXX XXXX account.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY ()

During early covid period, Amex ( American Express offered a payment holiday which I took for 3 months. However when I checked my credit report last month. Report shows my payments are late and impacted my credit adversely. I want to finance purchase a car to go work but I can't due this issue with my credit. I have reported this issue to Amex and they acknowledged the mistake and promised to fix and offered a 100 pounds credit and remove over 500 pound worn interest and late charges. 

None of these promises are kept and my credit file still states the late payment nor did I receive any compensation and I can't even drive to work which has impacted my day to day life. 

I have also called them few times after this issue was not resolved but they keep on bouncing me back from one department to another which acknowledging their mistake at the same time.
Consumer complaint received 2020-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This isnt my first complaint/review. After several disputes and attempts to reach XXXX, I got an email from them AFTER ( 4 years of avoiding and not returning my calls ) I started assessing law firms to take my case. I brought this concern up with two of the law firms, and now they wont reply. I can only presume that ethical laws were bootleg and my information and intent was shared with XXXX ... which invoked the email. 

XXXX XXXX XXXX, a corrupt company that XXXX  partners with, has violated my personal rights via the following acts : the Fair Debt Collection Practices Act ; the Fair Credit Reporting Act ; the Civil Rights Act of 1866 ; The Fair Housing Act ; Americans with Disabilities Act ; and the The Equal Credit Opportunity Act.

I have, Under FRCA 611 ( a ) disputed the completeness and accuracy of the information being reported to all credit bureaus. Per the formal investigation process under FRCA 611 ( a ) ( 2 ), the following is suppose to take place by law, yet XXXX  has already responded with XXXX XXXX inaccurate response. The process states that, all relevant information regarding the dispute is to be sent to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your re-investigation within 30 days of the date of this letter. 

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true re-investigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

As you may guess ... NONE of these laws have been adhered to by XXXX, and I will need to take further action towards the bureaus that have not followed the law. 

This is an update on an ongoing process. XXXXXXXX email started that we should talk ... lets find a solution. The solution is to follow the law and due diligence of the process. I am not certain that XXXX knows that XXXX XXXX XXXX filed this inaccurate account, was paid with federal funds by the Department of Veteran Affairs and the Military Family Relief Fund ( MFRF ). Paid the lease out 19 days ( prorated ) in advance, which they did not return the fund or deny them. Only a month later, I got a erroneous bill, after I had already received my checkout list and deposit amount owed. 

I can only presume that XXXX knows and is enabling, reinforcing, and complicit in breaking the law.
Consumer complaint received 2023-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

PayPal regularly commits purposeful theft of 100 % of all currency earned at all jobs done by all homeless people, as well as 100 % of all money earned online by all people who are XXXX, XXXX, or have XXXX, as well as some XXXX  people and some people with XXXX, by illegally demanding " text message verification code '' before I can be paid for any job because PayPal has decided to steal and keep all of the currency I own forever, unless I somehow magically one day obtain access to " phone number '' that I " personally own '', in order to receive " text message verification code '', even though it is literally physically impossible for me to hold any cell phone that is connected to 5G service ( which appears to be the only type of cell phone service that currently exists for new cellular accounts ), even though it is impossible to pay for any " phone number '' of any kind because I am homeless, even though it is impossible to use " phone call '' at any point in time from any location because I am nonspeaking and therefore would never have any " phone number that I personally own '' even if I was a billionaire and also had the ability to physically hold a cell phone that is connected to 5G service, and even though it is literally impossible for me to be paid any of the currency that is currently in my PayPal account or any currency earned from the jobs that I typically do nonstop nearly 24/7 because the vast majority of websites that pay do not pay via any other place besides PayPal, and because no other possible method of obtaining payment, such as " check '' or " bank account '' is available to me. Additionally, it is LITERALLY ILLEGAL to prevent homeless people, nonspeaking people, people with XXXX, and also the several other Protected Classes that I am not a member of such as XXXX  people and people with XXXX who can not hold 5G phone, from logging into or accessing PayPal account or spending the currency directly from the PayPal account, unless all hearing, speaking, nonhomeless people with no medical condition are also prevented from using any currency, in which case PayPal would of course be quickly shut down by government and all top executives arrested for their theft. Currently, PayPal is committing theft from me personally, and is also committing theft from all other homeless people, all other people with XXXX who can't hold 5G phones ( which is, of course, almost all of them ), and even all married people and all people who live with parents etc., since in addition to the illegal discrimination against me and thousands or more of other human beings, PayPal also even demands that you live alone otherwise you can not log in because " verification phone number '' also just be a phone number that " isn't not leeway used on another account '' even though there is generally one phone number for 5+ people who live in a house together unless you live alone!
Consumer complaint received 2020-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Hayt, Hayt & Landau, LLC (NJ)

Earlier this year, XXXX XXXX and their lawyers Hayt, Hayt, and Landau, LLC filed a suit against a person at my address with the same name as me. 

I called them and we collectively concluded that the social security number and date of birth did not match. They said they would remove the case. 

This week, I received a subpoena stating that I had to pick a payment plan or I would be impressioned.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

CFPB : I have been a Victim of the 2017 Equifax Security Breach. I have disputed with XXXX XXXX over six times regarding the same thing and I have sent them police reports along with FTC reports explaining the situation and each representative assures me that these inquiries are going to be removed. Then once the investigation is complete they sent me a copy of my credit report stating that the inquiries have been deleted but they still remain. I have contacted XXXX because most of the inquiries are from XXXX and they agreed to have them removed but they remain. This is a trying time for many American and worldwide people some of us need to take out loans and due to the fraudulent inquiries it is a hindrance right now to take loan.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CO)

I am 12 days late on my credit card payment and have received 14 robo-calls from Citi bank between the dates of XXXX XXXX XXXX and XXXX XXXX XXXX. This feels like harassment and I've blocked their phone number on my phone, but this doesn't prevent them from leaving voice-mail and filling my voice-mail box, preventing me from receiving future voice-mail from potentially much more important people unless i go through and delete the voice-mail daily. On average, Citi bank calls 3 times a day, leaving voice-mail ranging in length from 1min 2sec long to 2min 11sec long. I'm well aware I have a payment due and I will be getting paid in the next few days to complete this payment as I do not want my account to become 30 days late. This feels like harassment and they shouldn't be able to call every day, 3 times a day, leaving 3 voice-mail a day... 

The payment was due XXXX XXXXXXXX XXXX 
These calls are on XXXX and each call has an accompanying voice-mail : XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls : XXXX. 
XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls ( so far ) : XXXX.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

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 2022-01-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that 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 XXXX data breach and may have gotten into the hands of the wrong person.