davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was selling furniture online and some claimed they anted to purchase a good amount of the furniture. They said they're company who was forcing them to move to my state for job relocation was going to pay me fore the furniture he wanted. I deposited teo checks, 1 for {$2500.00} and another for {$1700.00}. The next day the money posted to my account and the individual told me to send the money via XXXX payments to their moving company to pick up the furniture he was buying from me. After making the XXXX payments for the the amounts of the checks totaling in {$3700.00} the checks bounced the next day! I am now negative the amount described before {$3700.00}. I then called my bank, Bank of America and submitted claims for all XXXX payments with the fraud department. 3 weeks later I received a notice from abank of America stating they were unsuccessful in reversing the XXXX  payments and can do nothing to help me further.
Consumer complaint received 2021-06-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (MI)

There was a loan taken out by someone else in my name and the company, speedy cash, has since sold my information to a 3rd party debt collector, AD ASTRA recovery. I did not authorize or consent to the selling of my information and now AD ASTRA prints the debt on my credit report every month when I didnt even give them consent to access my credit report in the first place, let alone furnish incorrect items on there every month. This not only violates my rights as a consumer under the FDCPA but also under the FCRA as well.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The problem with this account is that it was shared without my consent to the credit bureaus not that there is any inaccuracy. XXXX does not have my written consent to share this account and they are continuing to do so. According to the Fair Credit Reporting Act, XXXX is in violation of my rights, this corporation is reporting transactions ( payment history ) on my consumer report. According to 15 U.S.C 1681 2A paragraph 1 states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. 15 USC 1681 also states that I have the right to privacy, with this account being shared to the bureaus this violates my privacy rights.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

We shopped for a new second mortgage for our condo in XXXX through XXXX XXXX. We accepted an offer from Charter One and received the paperwork. Despite requesting a second mortgage, I was sent paperwork for a HELOC instead. Not intending to tap into the line of credit, we signed the documents. 

Later, as housing prices continued to plummet, our financial advisor recommended we complete a short sale. Unbeknownst to us, HELOCs do not go away in a short sale situation, so we were stuck with making an agreement with Charter One for the full amount of the HELOC value - they literally would not negotiate a lower rate one penny. We were advised to accept, and attempt to re-negotiate the amount at a later time. We completed the short sale of the condo in fall of XXXX. 

Three years later, after much failed negotiation, we settled on an amount to settle the debt. After three payments, we received a letter from the bank 's law firm, confirming satisfaction of the debt, showing the full amount paid. A few months later I checked our credit, and found Charter One had reported the loan as a " write off, '' meaning the debt was never paid. I filed a discrepancy with the credit bureau to correct the record. When the credit agency contacted Charter One to verify this change, they replied, " No, the write off is correct. '' This fraudulent record has caused serious damage to my credit score since its appearance on my record in XXXX. I wish to have this record removed from my credit, and if possible, punish Charter One for a fraudulent filing on my report.
Consumer complaint received 2022-09-26
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. (LA)

XXXX XXXX XXXX XXXX XXXX this company is still reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX  this company is still reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX XXXX XXXX  this company is still reporting inaccurate and incomplete information on my credit report. This company may also be a closed company and this account is possibly older than 7 years old. 

These accounts are negatively affecting my credit score.
Consumer complaint received 2019-04-13
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. (CA)

I have a credit card with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2022-09-26
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. (NJ)

in accordance with Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX and XXXX XXXX accnt # 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 agency can not furnish an account without my writted instructions 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

These fraudulent accounts remain unverified, as I never requested them as well as they have failed to provide proper verification.
Consumer complaint received 2022-07-23
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. (FL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MA)

XX/XX/2022 : Called the XXXX number on the Verizon Credit Card asking why my Verizon XXXX amount said {$56.00} yet on the Verizon site I had only {$31.00} for redemption. Synchrony would not explain the approx {$25.00} shortage and kept transferring me to Verizon. Verizon said they only had the information on the {$31.00}. XXXX said they had no visibility into the award amount on my Synchrony Verizon bill. Synchrony did not transfer the full amount of my Verizon XXXX  dollars to Verizon, shorting me of approx. {$25.00}. This is fraud. Synchrony did not meet the terms and conditions of the rewards program.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I have a credit card with CHASE CARD. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CHASE CARD and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and CHASE CARD with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

I received an email that my PayPal account had inconsistent activity with their user agreement and I am no longer able to use PayPal services. I have checked my activity. I have gone through the payments Ive made with PayPal account and dont see anything thats against their guidelines. I mainly use it to make payments on my bills. My bank card and bank account are directly linked. I did have my card replaced because of fraudulent charges but that was with my bank directly not PayPal. I tried to contact them and I dont think the person I spoke to even pulled up my account just said I could dispute their decision, did not say what was the reason besides inconsistent activity and I could find that information on the user guidelines, which again do not state anything that I did. Very vague guidelines not explaining why I was permanently suspended.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was the victim of a cyber/XXXX  scam involving XXXX XXXX and Capital One and XXXX XXXX  XXXX XXXX XX/XX/XXXX I have reported all of this to the agencies involved including the following l. FTD case XXXX, case XXXX ( as a back up claim ), 2.Ma. State attorney 's general office, case XXXX, 3.Capital One Fraud Resolution Dept, case XXXX, 4. XXXX XXXX  Police Dept, case report XXXX ( I delivered this in person ) ALL OF THESE WERE REPORTED ON XX/XX/XXXX XXXX ALSO, HARD COPIES AND PDF FILES SENT CERTIFIED MAIL TO ALL OF THESE DEPTS. 

Will download my pdf files and they will be self explanatory ; Am getting no where with these credit card/bank agents and the sum involved is {$5000.00} It was supposed to be recorded and stated as ELDER FINANCIAL ABUSE/EXPLOITATION BY CAPITAL ONE ETC AND IT WAS NOT. 

XXXX XXXX XXXX froze my computer and I verified the number before I called Capital One. I dialed the number that was on the back of my credit card for customer service and then it started ; the lines had been compromised and customer service transferred me to the Fraud Dept., I also had asked for Names, Id 's etc and was given false information ... also the secure lines used were cell phones, etc. When I called the bank the next day, they said there was not a pre approved cash transaction on my credit card with them for {$5000.00} and so I cancelled all of the cards involved and the process of reporting all of this began. I will notify XXXX XXXX of this breach also
Consumer complaint received 2019-04-13
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. (GA)

I went to my bank to reply to a pre-approval I received from my bank. When I went to apply for the credit card my banker told me that I was not approved. I pulled my credit and there are things that are not mine. I have contacted the FTC and my local police. I am also doing this on my own behalf. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, IXXXX XXXX AN ACCOUNT WITH NO NAME ENDING ACCT XXXX XXXX. There are also inquiries that are not mine. 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 2018-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I obtain credit from Bank of America and was very thankful they gave me the opportunity to have credit with them. I made payments on time and never had a problem, until I fell on hard times and missed payments they eventually closed the account and it went to charge off status on my credit report. The reason I fell behind on payments is, because my mom was XXXX and I had to take time off from work and plan a funeral. My mother didn't have life insurance I had to sell things and tried to raise money to bury her, I couldn't make payments, because I didn't have the money. Bank of America reach out to me for a settlement and I agreed to make payments as promised with the clearing of all negative reporting on my credit reports. I've attached a copy of my payment agreements and have contact their company several times and left voicemails asking for the deletion of the account. I'm willing to send them copies of proof of my mom 's XXXX, police records, obitutary etc. whatever they need to say I'm sorry I missed those payments then due to no work, because of bereavement. I still have the account reporting negatively on my credit report. I would like to move my family out of state to get away and trying to purchase a home, but can not get approval, because of the negative account reporting.
Consumer complaint received 2022-03-27
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: Credit Karma (KY)

i put & XXXX into my XXXX XXXX from my credit karma spend money account. XX/XX/22 is the date of transaction. i have screen shots from XXXX. Credit Karma took the money out i keep up with my money. on XX/XX/22 its on my statement and making my account negative. my card had already been charged. Credit Karma money spend let my account go negative {$970.00}. there is no reason that should have happnend. now nobody from there will return any message from me., i want my money back. i should not have gone negative. please help me. its my bill money.
Consumer complaint received 2021-03-09
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: Experian Information Solutions Inc. (NY)

I informed them that the amount owed is not correct nor is the account number. The buraus said they investigated but asked how was it investigated they sent back the same information. They dates I sent letter was XX/XX/20 and XX/XX/20. The amount {$870.00}, and {$550.00} both accounts went out on the same date and letter.
Consumer complaint received 2022-02-03
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: Innovate Managed Holdings, LLC (PA)

My Social Security was ringing without my cas and I would like to report these 16 heart increase thats on my account that I didnt know anything about, I reached out an your customer service will not help me take care of the negative inquiries reporting to my credit. 

XXXXXXXX XXXX  XXXX XXXX. Innovateloan 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 I would please like for these 16 hard inquiries to be removed please.
Consumer complaint received 2022-07-01
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. (TX)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated that my account was properly investigated, but how is that possible if the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal they also violated my rights under 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 2018-12-09
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. (CA)

I recently ran my credit report, and noticed a numerous amount of credit inquiries on my report. I need these removed from my credit report immediately, as they are untrue and horrible reflection of my of my credit worthiness. 

1.XXXX 2.XXXX XXXX XXXX 3.XXXX 4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-12-11
Product: Mortgage — VA mortgage
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: Ditech Financial LLC (CO)

In XXXX of 2018 I closed a loan with Ditech. The pay off loan was funded on XX/XX/2018 and Ditech didn't close the loan until XX/XX/XXXX. Ditech reported to the credit bureaus a 30 day late payment even though they said it was funded on the XXXX. I contacted Ditech in XXXX when I discovered they had reported a 30 day late payment. They advised me to send the closing documents which showed when the disbursement actually occurred. I emailed to their customer service department the closing documents. I never heard back from them. Now in XXXX, the late payment is still showing on my credit. I called Ditech again, they have no record of my previous call and now I have to fax or mail the closing documents into them. Either way they have falsely submitted a 30 day late payment.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alpine Credit, Inc (CO)

This will be the XXXX attempt to stop XXXX from reporting XXXX closed accounts for the US Department of EducationXXXX and XXXX closed accounts XXXX/Dept of Education on my credit report XXXX These accounts have been closed since XX/XX/2020 and XX/XX/2020, respectively. They do not show as open accounts on XXXX and XXXX which I also explained to them on the forms and in a letter. The impact of having this information displayed on my account as open has kept me from being able to rent/lease a place to live because my credit score is too low ( XXXX ) and it shows reason code : XXXX - The total of your delinquent or derogatory account balances is too high. We currently live in a hotel. 
Secondly, I have asked more than 3 times for a duplicate account from Alpine Credit IncXXXX XXXX of Colorado to be removed from my credit report. The company charged me twice for the same day of service and the bill was paid in full by my insurance company. They never send any documentation to my email address, they only tell me " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account #. Where is the proof? I have even written XXXX XXXX of Colorado and Alpine Credit Inc and neither of them have emailed any verification documents or proof either. 
The information contained on one credit reports should be exact or at least similar in content and XXXX is always different and the worst when it comes to depicting someone's owed or owned debt. I am disputing these items every 3 months, if necessary, until they remove it or until I contact the Office of the Attorney General. I don't want to live in a hotel forever but until they remove the closed accounts for US Department of Education and XXXX/Dept . of Ed, and the duplicate account for Alpine Credit Inc., we will continue to live here because my credit score will never be high enough to rent or lease a place outside of here.
Consumer complaint received 2018-12-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC. (LA)

On the day of XX/XX/XXXX, I mailed off a letter to Navient/Department of education. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. Navient converted the check to a digital check and cashed it, but the late notice was not removed from my credit report.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: DMB Financial, LLC (MD)

I set up credit counseling with DMB Financial. I sent over {$10000.00} and none of my accounts were settled. I canceled the program to pay the debt myself. XXXX of my accounts had only XXXX months paid on the account. The settle amount that DMB had was different then what my creditor had which means the account should have been paid off. I am trying to get into my DMB account but it is saying it can not find a user name. I can not even get into the account to show all the funds I sent. I even increased the amount of money monthly to get the account pad faster.