davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My personal information was stolen and used to open several fraudulent accounts. I was not aware of these fraudulent accounts until given my credit report after trying to apply for an auto loan. I have reached out to all companies as well as credit bureaus, I have also filed a report with my local PD as well as submitting and ID theft affidavit with the FTC. The credit bureaus have refused to remove these fraudulent account that are showing on my credit reports. These accounts were not authorized by me.
Consumer complaint received 2022-07-17
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. (LA)

in accordance with the fair credit reporting act XXXX  account account # XXXX account name : XXXX XXXX XXXX XXXX account /collection account blance {$760.00} dated XX/XX/XXXX account name : XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$0.00} account name : XXXX XXXX XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$760.00} account name : XXXX XXXX XXXX account XXXX dated XX/XX/XXXX blance - last updated - status paid in settlement. {$440.00} written off account name XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$0.00} status closed. {$610.00} written off. 

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 2022-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery has been repeatedly calling me for several years now from the number XXXX, which shows in called ID as XXXX. 

The calls have come in before XXXX XXXX and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I have also received numerous letters in the mail. I am a student who suffers from XXXX, and these calls cause me constant anxiety to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

Portfolio Recovery has been repetitiously calling me with the intent to annoy and harass me. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit.
Consumer complaint received 2023-03-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Filed a dispute on XX/XX/22 online, which came back " validated '' I redisputed requesting a thorough investigation as the collection account was listed multiple times with different amounts. This was a violation of the FCRA. I received a letter from XXXX that the information of the XXXX should be removed due to reinvestigation or retention had expired. XXXX XXXX then re-added the collection account with a new charge off amount of {$1200.00}, with no additional certification provided to me as required by FCRA
Consumer complaint received 2022-09-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TX)

I sent in a complaint yesterday to National Credit Adjusters to 1- Cease & Desist communication through ANY medium which any medium is including my consumer report. The company replied but did not rectify the specified remedy that I am asking for. I want National Credit Adjustors to remove this alleged debt from off of my consumer report and compensate me for ruining my reputation which is a direct violation of 15 USC 1692d ( 1 ) and they are civilly held liable to do so. I have asked in a precise manner failure to do so will result in me proceeding with legal matters and compensatory damages this is my second attempt to rectify this situation. The more time I have to spend on this the more hurt it is causing to me.
Consumer complaint received 2022-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a hard inquiry on my TransUnion credit report made by XXXX XXXX on XX/XX/2022 that I did not authorize. I called XXXX and the rep says there was no activity by XXXX on my account. I asked XXXX to remove the hard inquiry and the said to file a complaint with the FTC or get a police report. The FTC referred me to the CFPB to file this complaint.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Paypal Holdings, Inc ()

Description of Complaint : PayPal. 
I have been using PayPal to receive payment for my online business, on the XX/XX/2022 I received a payment of XXXX $ Merchant ID : XXXX  for a service I rendered and the payment was put on hold for 24hrs, but after 9 hours I got a notified from PayPal that my account has been permanently limited i immediately contacted executive officer and I was told I broke PayPal disagreement which I didnt do anything bad and my account didnt violated any of their rules, and I feel this wasnt fair on my part as I cant have control over how other people use their PayPal account, I just really want my account back.
Consumer complaint received 2022-06-14
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. (LA)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against Equifax. Equifax is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave Equifax any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiries are being fraudulently furnished. I did not authorize, benefit from, nor consent to these inquiries and I demand they be removed from my consumer report immediately : XX/XX/2020, XX/XX/2020. If these inquiries are not removed, I will hold Equifax criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. These negative items on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If Equifax can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that are being fraudulently furnished along with a letter from XXXX XXXX XXXX stating they are unable to remove inquiry.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

My credit score has been showing no score since XXXX. I have four years and four months of credit history and have been trying to contact XXXX XXXX, Experian, and XXXX regarding this error to no avail. I have paid XXXX XXXX to look into the matter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), but this did not help. XXXX XXXX is of no assistance and the name on my account has been incorrect since XX/XX/XXXX. I have tried email, phone, and mailing the documentation for the name change and I get no response. How can I have over four years of credit history, with a XXXX score in XXXX, and then the score disappears and the history remains?
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit score has been showing no score since XXXX. I have four years and four months of credit history and have been trying to contact XXXX XXXX, XXXX, and Transunion regarding this error to no avail. I have paid XXXX XXXX to look into the matter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), but this did not help. XXXX XXXX is of no assistance and the name on my account has been incorrect since XX/XX/XXXX. I have tried email, phone, and mailing the documentation for the name change and I get no response. How can I have over four years of credit history, with a XXXX score in XXXX, and then the score disappears and the history remains?
Consumer complaint received 2022-07-17
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 2020-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/29 in the amount {$200.00}, I made a final settlement payment on a charge off capital one account acct # XXXX to XXXX XXXX XXXX XXXX. Since that time Capital One has continued to report me negatively to all 3 credit bureaus resulting in a fico score drop of 14 point on XX/XX/XXXX and 41 points on XX/XX/XXXX. I sent a copy of the XXXX XXXX & Capital One receipt to the 3 bureaus to update the correct balance owed or marking as settled i was updated with 2 more months of negative reporting. Per my most recent credit report from XXXX, originally i was only showing collections as of XXXX, after the most recent dispute report on XX/XX/XXXX i was hit with negative reporting for XXXX XXXX which clearly is inaccurate. I have contacted all parties multiple times about this issue to no avail.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS
Consumer complaint received 2020-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/2019 I opened my account with Regions. During the opening process I was presented with Regions Refer-a-Friend program where the bank asked its members to recruit their friends and family to join the bank. For any people referred Regions would pay both parties a {$50.00} Visa gift card. I successfully sent 17 referrals. Of that only 8 people completed the requirements and were designated by Regions as " Criteria Met '' ( for the {$50.00} gift card ). I received 7 {$50.00} gift cards. I am still missing one {$50.00} gift card and Regions own referral tracker confirms 8 criteria met but only 7 incentives paid. 

Over the past 2 months I have contacted Regions by secured message through their website 5 times. The bank is helpless via secured message and asks for me to call in. I have placed no less than 14 phone calls to the bank and spent 5+ hours on calls. At each phone call I am given conflicting information, told to call other departments, and even told a help ticket is opened to investigate. Despite this no action has been taken. Even today a " supervisor '' can see my missing referral but is helpless to advise on the status of my ticket, open a ticket, or provide any meaningful information. The majority of the bank representatives do not even know what the refer a friend program is.
Consumer complaint received 2022-07-17
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (HI)

I have an American Express Platinum Card which I use mostly for travel. Due to COVID-19, I had to cancel an expensive cruise with XXXX XXXX, prepaid cruise excursions, an RV trip and Lodging, that I had prepaid in full with my Amex card. All the merchants have refunded the total monies I paid them. I have been calling American Express for 3 months now and opening dispute after dispute. After 2 months, and over 20 phone calls, they finally sent me a check, but the check was deficient by {$2500.00}. So I had to open another dispute for this amount. They closed my dispute without explanation and without resolution. I have given them an accounting of all the charges, all the credits, all the payments made, and illustrated CLEARLY how they still owe me {$2500.00}. They just continue to ignore me. I found this consumer financial protection bureau hoping that someone can help me.
Consumer complaint received 2023-03-02
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: Nelnet, Inc. (CA)

On XX/XX/XXXX, I pulled up my credit report on XXXXand it showed that I have a negative report on a old student loan. 

The student loan is dated in XXXX, and approximately owe {$2000.00}. I am unable to pull it up again because I have to pay for this report. Originally when I pulled it up in XXXX, it was free. 

The student loan is an error because I did not apply for a student loan in XXXX. I possibly had a student loan in XXXX, but that was 8 years ago. I would like the credit report to update and remove this old loan that is over 7 years old and no longer valid.
Consumer complaint received 2022-07-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (TN)

3 Remaining Negative Accounts. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : SANTANDER  Account Number : XXXX
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX
Consumer complaint received 2022-07-17
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/2021 This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
Consumer complaint received 2022-06-14
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - 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 an account without my written instructions.
Consumer complaint received 2022-07-17
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc. (NC)

I would like to file a complaint about PARAGON Revenue Group who sent my medical bills that were under dispute to Credit Bureau. I am a XXXX patient and had large amounts of bills for my medical treatment during year XXXX. Since I was eligible for XXXX XXXX, I was in contact with XXXX XXXX in sending documents to prove my eligibility and to receive the proper discount and pay the rest of bills. After I received my medical bills from PARAGON, I notified PARAGON in writing in less than 30 days from the date of bills. I explained it to PARAGON that the amounts of bills are not correct, I am eligible to receive hardship discount for my medical bills and am waiting for XXXX XXXX response. In spite of that PARAGON reported me to Credit Bureau and damaged my credit. 
PARAGON has damaged my credit by sending the bills that were under review to XXXX XXXX. Assistant Vice President of XXXX XXXX XXXX in XXXX XXXX contacted PARAGON on XX/XX/XXXX, and asked PARAGON to reverse the derogatory reporting against me but PARAGON has not done any action so far. I also contacted PARAGON in writing on XX/XX/XXXX and asked them to remove my name from Credit Bureau. ( Please see attached ) As of now PARAGON has not done any action.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I recently purchased a $ XXXX On XXXX using my capitalone venture one card to I receive the 10x points promotion/partnership and when I didnt I called them and they said it had to be booked through a certain website but that wasnt told to me when I called in XXXX and changed my credit card to that card in order to receive the card by the individual on the phone. This was very misleading and unclear as when I called a month prior to my most recent phone call I was told if it didnt appear I could receive a 1 time addition of points to correct the issue, but to wait until the end of this billing cycle when they told me that they dont support anything like that at this time.