davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

XXXX - and other retailers - offer a service called XXXXXXXX XXXX XXXX in which the consumer can apply and obtain credit ( via a hard credit report inquiry ) and purchase a new XXXX XXXX XXXX ( or another model ) plus an All Access game pass for a monthly fee for 24 months. The credit is provided through Citizens One - perhaps a subsidiary of Citizens Bank. The intermediate third-party shipper is XXXX. 

I purchased this service on XX/XX/XXXX and the shipping date was XX/XX/XXXX. XX/XX/XXXX came and went. I have received zero updates on the shipping date, even after multiple inquiries with XXXX and CitizenOne. In fact, when I call XXXX, they tell me to call CitizenOne. When I call CitizenOne, they say call XXXX. Guess what XXXX says when I call? Call CitizenOne or 'the retailer '. 

These three organizations, together, received my personal financial information, my social security number, and performed a hard inquiry on my credit report. Surely, the line of credit will also be reported on my credit report - yet, they have apparently zero obligation or feel no responsibility to provide any meaningful way to update a customer on their own failure to stick to the terms of the deal. Any business should have a method for a customer to resolve disputes, especially when the good faith credit of the customer is at stake. Instead, these three companies point the fingers at each other and intentionally obfuscate and frustrate any attempt to get information regarding how to resolve a dispute.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Unable to freeze or unfreeze credit reports for myself or my wife online with TransUnion. We have to physically call them each time we want to unfreeze and then freeze again. This takes up to XXXX mins each time for each of us due to hold times.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have filed a dispute in regard to the inaccurate items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-10-09
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: EQUIFAX, INC. (TX)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : DEPT OF ED/XXXX   XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I received the XXXX rewards Mastercard in XX/XX/XXXX with a limit of {$9000.00}. I used the card and paid monthly on time, then in XXXX of XXXX I received a notice that my credit limit was drastically lowered to {$2600.00} and my balance at that time was {$2400.00}. I then called First Bankcard to inquire why my balance was so drastically lowered and they stated that XXXX  reported to them that my score was XXXX. I then proceeded to state that was not true due to that I have an account with XXXX  and my score was at a XXXX, I also called XXXX  and they stated that a score of XXXX was not reported to First bankcard. I was also advised to send a copy of my credit report from XXXX  to their credit dept. and I did but no response by mail or a phone call after the review. So, at this point I did not use the card anymore and just started to pay the card down drastically so I can pay it off. Then in XXXX of XXXX First Bankcard then proceeded to lower my limit again to {$2200.00} and I called again to get an explanation which was useless because everyone just says we sent you a letter to explain. At this time, I was searching for a mortgage loan to purchase a second home and I did have more inquiries, but none of my other credit cards have either lowered my limit or closed my account. I have all my other cards for years and none have treated me the way First Bankcard have. Now today XX/XX/XXXX First Bankcard closed my account with a balance of {$2000.00}. This will be very harmful to my credit profile. This is not fair that they are allowed to do this to people especially during a time of a pandemic and the way it is affecting people losing their jobs and homes. I have been extremely fortunate to be able to pay my bills on time even through all this and maintain my credit and now to find out that First Bankcard is the only company not helping people currently. All my other credit cards and my mortgage company have been extremely helpful during all of this. I would like an investigation into this company business practices against consumers.
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (ME)

I have federal student loans that went into repayment XX/XX/XXXX. I have worked at a PSLF qualifying employer the entire time. I updated employment verification a number of times. Mohela is my servicer. Even though I reached 120 payments in XX/XX/XXXX, and am still employed ( so have even more qualifying payments ) they have not updated my accounts. Even on the site, it says I made 117 payments as of XX/XX/XXXX, but my expected forgiveness is XX/XX/XXXX... that math doesn't even make sense. 

Per the contract I signed for these federal loans, they should be forgiven, but Mohela will not update counts and process forgiveness, despite numerous calls, emails, involvement of the ombudsman, etc. Thank you.
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-01-13
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. (LA)

I am XXXX XXXX, I have been reporting an Inaccurate account and unauthorized inquiries on my credit report. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last XXXX months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family. Numerous products are getting higher demand in the market and getting expensive. And due to this pandemic, several things have been added to my family 's necessities.
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (MD)

Today, a collection agency named Source Receivables reported a {$1900.00} collection account on my credit report. Prior to the appearance of this phantom collection, I received no notification from Source Receivables, much less my 30 day notice of my right to dispute. So based on that, Source Receivables has violated my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2020-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

My complaint is towards the online bank Paypal.

This is my story. I will try and keep it short ...

I provided a writing service for someone who paid me approx {$50.00} for the service I provided. He paid via PayPal. I have screenshots.

A few months later this party opened a chargeback case with his bank.

The case was opened with PayPal.

PayPal assured me that if the case was lost they would give me the opportunity to provide any screenshots or proof that I have. This is actually required by law that the consumer has a right to dispute the case with proof.

PayPal later closed the case and NEVER gave me the opportunity to provide ANY proof what so ever. In fact they have been trying to collect on the debt PRIOR to even closing the case which goes against laws established by the Fair Debt Collections and Practices Act.

I want this case DROPPED from PayPal and I want my account CLOSED with PayPal.

They are breaking several laws and every attempt I have made to contact the party that paid me results in returned email as if his email no longer exists.

Every attempt I have made to resolve this with PayPal customer service results in a canned pre-scripted answer that does not help AT ALL. 
My PayPal account is under the email : XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, a perpetrator impersonating me called Chase customer service and, according to Chase 's fraud department, passed their telephone verification process by providing my full name, credit card number, and mother 's maiden name. Chase then issued via SMS a one-time password ( OTP ) that the perpetrator received ( but I did not! ) and used it to gain access to my Chase.com portal. 

The perpetrator then added my credit card to an Apple Pay wallet ( I do not use Apple Pay ) and they attempted to redeem my accumulated Chase cash-back balance totaling {$1100.00} to a bank account that I do not own. I was altered to both transactions by email alerts that I had previously put in place in my Chase.com portal and I immediately called Chase to report the suspicious activity which, thankfully, Chase was able to halt. 

My problem is this : Chase admits to issuing the OTP at XX/XX/2023 XXXX EST but can not tell me to which telephone number it was sent. Their fraud agent told me that, perhaps, my phone was forwarded ( it wasn't ) or that the SMS had been intercepted by the perpetrator some other way. I contacted my mobile carrier, XXXX, who confirmed that no SMS message was sent to my number at that time. In fact, the most recent SMS message sent to my number was from days earlier. And I, personally, did not request an OTP or did I have any dealings with Chase on that day prior to receiving the email alerts. 

I believe Chase may have improperly and insecurely issued an OTP to my Chase.com account which allowed a perpetrator impersonating me to gain access to my secure account and attempt to steal from me.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

Best buy citi card pre selected the option " box '' to opt us into paperless statements. Thus we had not received a paper statement and did not realize we had an outstanding balance which were not contacted about for almost 4 months. This has ruined our credit history and I believe it was deceitful on behalf of citi card to pre select this option thus affecting consumers who rely on paper statements to manage their payments.
Consumer complaint received 2022-09-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I look at my credit report I called the credit Bureau stating some used my identity apply for items that not competed by me ask them to delete these inquiries and collection XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX /Bankruptcy XXXX XXXX discharge XXXX # XXXX /Bankruptcy XXXX  XXXX dismissed XXXX # XXXX / Bankruptcy XXXX  XXXX dismissed XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX employed XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

Good day, My name is XXXX XXXX, my family and I when we were first moving to XXXX we signed a lease to move in to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX in late XX/XX/XXXX but we did not find the place to be comfortable mostly there was a constant smell of smoke at night so I decided to move out as I'm a XXXX XXXX and was already not feeling well. I also was hospitalized in XX/XX/XXXX due to XXXX XXXX and had an XXXX done at the XXXX  XXXX XXXX on XXXX, XXXX TX. 

I described my XXXX XXXX problem and the continuous smoke through the XXXX XXXX XXXX vent at night and requested to terminate and leave their apartment. At that time I asked them about any extra fees or charges and discussed lease agreement says it will be {$800.00} something charges on my lease pg 9 but the XXXX XXXX property Supervisor informed me that it will not be an issue as long as I move out of their apt in 4 days which I did. I left their apt in 4 day time frame and did not damage anything. Nothing no information on the early termination charges are placed by the XXXX XXXX XXXX and I have communicated with them in XXXX in the time I left as to collect my postal mail. I left in good terms with the XXXX XXXX XXXX and they never asked me for any additional payments. 

I'm not sure where this collection company National Credit Systems has reported a collection debt in my name and it is reported on my credit file. I never received any info on this until when in late XX/XX/XXXX and early XX/XX/XXXX through my daughter loan officer. My daughter was trying to get loan approval and asked me to be her cosigner but the loan officer informed that I have a collection charges in my name. I never was aware of this or contacted by either the collection company National Credit Systems or XXXX XXXX XXXX while these charges have been posted since XX/XX/XXXX. It is not fair to me. It is not just impacting my score but I can not help my daughters out with either their loan applications or even signing for utility company such as XXXX as even that my daughter had to do for me as she has a good credit. I need help in getting rid of this false collection charge by the company National Credit Systems. If there was an early termination per lease agreement then XXXX XXXX XXXX should have given me that correct info and my financial responsibility at that time when I was vacating specially when I did inquire and expressed my financial obligation. If they never provided me with that info or any requests to pay the early termination charges at that time then why is this National Credit systems unnecessarily claiming such charges on my name, makes no sense. I would have never known anything if my daughter loan officer didn't give us the info including the collection company info. Please guide me and provide some assistance. Thank you.
Consumer complaint received 2021-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (PA)

I have disputed this account with XXXX, and they have sent me nothing at all. This is a violation of the FCRA. They are reporting on my credit and have never sent me any reason as to why! PLEASE HELP ME!
Consumer complaint received 2020-10-09
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: EQUIFAX, INC. (GA)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX Inaccurate XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Inaccurate XXXX  XXXX Inaccurate XXXX  XXXX  XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2021-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Total Card, Inc. (GA)

A collection popped up on my credit reports about 6 months ago. I didnt know about this debt and when I figured out where it came from I disputed it three times because the debt came from a credit card company that I didnt apply for ( identity theft ). I requested validation of my debt and the original contract, and that was over 60 days ago and havent received any validity of the debt. XXXX keeps saying its validated and I requested a copy of their investigation and it hasnt been sent yet. I dont owe this debt but they are reporting that I am.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXX Account # 's XXXX, XXXX, XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX OF XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 's XXXX & 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 a account without my written instructions
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.