davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I checked my credit report when the XXXX breach happened. XXXX  gave me a free XXXX XXXX protection plan. I then requested a free annual credit reports from XXXX and XXXX. I noticed a few accounts that were opened fraudulently. I disputed these accounts a few times. 


PORTFOLIO RECOVERY A - collection for {$370.00} XXXX XXXX XXXX, XXXX XXXX XXXX VIRGINIA XXXX XXXX PORTFOLIO RECOVERY A - collection for {$420.00} XXXX XXXX XXXX, XXXX XXXX XXXX VIRGINIA XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to express my dissatisfaction with Capital Ones price match policy, which I believe was not honored correctly. 

On XX/XX/XXXX, I booked two round-trip flights from XXXX ( XXXX ) to XXXX ( XXXX ), for travel from XX/XX/XXXX, to XX/XX/XXXX, totaling USD XXXX. Shortly after, I found the exact same flights on XXXX for a total of USD XXXX. I contacted Capital Ones support team, and while they confirmed the listing on XXXX they cited a price of around USD XXXX and offered a price match difference of only USD XXXX. 

I verified XXXX price of USD XXXX on multiple browsers ( attached are the relevant screenshots ), yet Capital Ones price match system did not reflect this. The actual price difference should be XXXX. This discrepancy is frustrating, and it suggests that the price match policy is not being applied fairly, which feels misleading. 

I request that Capital One reassess this situation and honor the proper price match difference, as this inconsistency reflects poorly on the companys integrity. 

I look forward to your prompt resolution of this matter.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was never late on the accounts that are listed below along with date please show me documentation showing proof of transaction showing that I was ever late to support your inaccurate reporting on my consumer report. If you cant supply the previous request please correct status to " paid as agreed/current ''. XXXX. XXXX XXXX ( XXXX ) - XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (GA)

This is the second complaint I'm filing against Aidvantage after 3-4 messages with customer service. The last complaint I filed I got a call from a customer service agent within a day. I believe I spoke with someone on the phone on XX/XX/XXXX. The customer service agent said they froze the interest that had been accruing daily on my account ( which was never supposed to happen in the first place ) and that they would wipe the interest that had accrued by XX/XX/XXXX. It is XX/XX/XXXX and the interest of {$430.00} is still on my account. On XX/XX/XXXX I got a message that my loans were placed in forbearance over a month after the forbearance started. On XX/XX/XXXX I got a message explaining Interest Accrual and Paying Ahead. I'm not sure why they would send this message when they A ) Never solved the issue of the interest that had accrued on my account while during a 0 % interest forbearance B ) the forbearance detailed in the XX/XX/XXXX message says verbatim, " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' The worst communication and transparency of any company I've ever had to deal with. Everything is a contradiction and communications are contrived to scam individuals out of money.
Consumer complaint received 2024-10-29
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. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-10-28
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. (OH)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2018-01-14
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Partners Financial Services Inc (TN)

Partners Financial Services ( XXXX XXXX XXXX, Missouri XXXX. XXXX ) is showing that I have an open student loan in the amount of XXXX on XX/XX/XXXX. They show I am the cosigner on the loan. However I had a severe XXXX XXXX on XX/XX/XXXX and did n't even wake up until the XX/XX/XXXX then was unable to walk with out assistance and could not speak coherently for 11 days. I do n't have any recollection of agreeing to this or signing for this loan. I first found out about it in XX/XX/XXXX when they reached me on the phone and I told them then that it was n't mine and I had no way of paying it. Again every month after that until XX/XX/XXXX. Help me
Consumer complaint received 2018-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEMBER FIRST MORTGAGE, LLC (GA)

I applied to refinance my FHA loan to a conventional loan because of the cost of mortgage insurance. At first I was told by the new bank doing the refinance that they could get rid of my mortgage insurance to lower my monthly payments from XXXX  to about 1600.00. That did not work out for some reason. About a week ago I spoke to the representative of The lender broker of XXXX XXXX XXXX XXXX   and she assured me I will be able to save XXXX a nd that will increased to XXXX  because my mortgage interest will disappear. 
On Friday evening (XX/XX/XXXX), I received the final figures for closing on Wednesday XX/XX/XXXX. 
This is what I found:
1) my interest rate is gone from 4.750% to 4.875%.
2) My principal has jumped from $XXXX  to $XXXX
3) Instead of the XXXX dollars I was promised to save XXXX I will save XXXX.
When I factor in my new interest rate and the new principal I gain nothing. I am therefore not going to sign any documents to finalize the refinancing.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (VA)

Truist bank was changing me maintenance fees every month that were XXXX dollars each and did not tell me why, when, or for how long they were doing it. It just started happening without them reaching out to me in any way. 

I then took out all my money from them and moved it to another bank, then they sent another maintenance fee which over drafted my account ( due to me having {$0.00} in the account ). 

The overdraft fee was {$36.00} and in total they took XXXX of dollars from me.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX  account number : XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

RE : Report # XXXX To whom it may concern : I, XXXX XXXX XXXX XXXX XXXX am a natural person, and I am physically submitting this dispute. This dispute is NOT being submitted by a third party. I am writing to dispute several inaccurate items that have been posted on my most recent consumer credit report provided to me by Experian. These items are damaging to the integrity of my consumer report and must be corrected in order to show a true and accurate representation of my credit history. The following items are listed below : Personal Identification Information My legal name is XXXX XXXX XXXX, XXXX ( Name ID # : XXXX ) as it is reported on my state drivers license. Remove the following names from my credit report, as they do not accurately represent me. I demand removal of all names listed below in my consumer report in accordance with 15 USC 1681i that do NOT present my name as it should be legally represented XXXX XXXX Name ID # : XXXX ; XXXX XXXX XXXX Name ID # : XXXX ; XXXX XXXX XXXX Name ID # : XXXX ; XXXX XXXX XXXX Name ID # : XXXX Inquiries I DID NOT AUTHORIZE THESE INQUIRIES. Please remove the following inquiries from my consumer credit report in accordance with 15 USC 1681i : DATES XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  ; Thank you for your cooperation concerning the aforementioned being disputed. Please send me an updated copy of my consumer credit report upon completion of your review. Thank You. 

Respectfully, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX MADE PAYMENT XXXX ON XX/XX/XXXXTO BOA XXXX XXXX XXXX XXXX One XXXX XXXX XXXX XXXX, New York XXXX BUT BOA CLAIMS BOA DID NOT RECEIVE PAYMENT WHICH MAKES PAYMENT LATE.

THERE IS NO ONE TO CALL AT BOA BECAUSE BOA ONLY TAKES APPS AND I DONT HAVE A CELL PHONE.

I NEED CURRENT STATEMENT AND XX/XX/XXXX STATEMENT AND I NEED TO KNOW THAT MINIMUM PAYMENT WAS RECEIVED ON TIME. AND I NEED SOMEONE TO CALL NOT SOMEONE TO TEXT. IF BOA WANTS TO DEAL WITH A COMPUTER NOT A PERSON DONT DEAL WITH ME, BOA. CHANGE HOME ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting 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. (ID)

My Experian credit score reduced by XXXX points today, XX/XX/XXXX, All my credit accounts are in order. I have paid all my bills on time. This is also shown on my credit report. I called them several times today but couldnt get through anyone. This is not the first time something like that happened. Last year they dropped XXXX points without any reason and did not restore these points after investigation. I see a lot of people making the same complaint. This is fraud that is affecting financial status of the targeted individuals. Please investigate this and take severe action. I will share my credit report if needed. Thank you!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with Federal credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish at an account without my instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-29
Product: Credit reporting 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. (GA)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX ( XXXX ) for a balance of {$1100.00}, XXXX XXXX Account Number : XXXX violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (NJ)

I am writing to formally lodge a complaint against Synchrony Bank, where I hold A savings account, The bank has repeatedly failed to credit my account the money I am owed. 

Below is a detailed accounting of what happened. 

XX/XX/XXXXXXXX XXXX XXXX was opened with an external bank and money was transferred out of my Synchrony account to the external account. 
XX/XX/XXXX - On that same day the account was closed, due to the external banks inability to enable me to fund beyond the original amount I had initially transferred. 
XX/XX/XXXX The transfer to the external bank was posted on my Synchrony Bank account. 
XXXX Following the external bank account closure, the external bank confirmed with me the money was transferred back to Synchrony Bank and provided a XXXX #. 

Synchrony continues to tell me they are looking into the matter but have not been able to provide any concrete updates. Furthermore, I have had to endure hold times exceeding an hour each time I call followed by limited to no information regarding my case. Nobody seems to be taking my matter seriously or following up with me directly.
Consumer complaint received 2018-01-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I sent a Bitcoin transfer from XXXX to XXXX at XXXX XXXX - XX/XX/XXXX XXXX. As of XXXX XXXX. The transfer has still not gone through. XXXX still does not show the XXXX transaction hash ( the hash shows for previous transfers ) and the XXXX is nowhere to be seen on either of my accounts. The transfer was for XXXX1 XXXX. 

I contacted XXXX customer support one week after the transfer and have still not heard back from them.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These fraudulent accounts linked to identity theft must be blocked and removed from my consumer report immediately. I never provided written authorization or a wet signature for their inclusion. This follows my previous communication about this matter. 

The presence of these unauthorized accounts has severely impacted my financial wellbeing, preventing important life goals like home ownership and providing for my family. As legal verification of my identity, I have included copies of my social security card and driver 's license.
Consumer complaint received 2018-01-14
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: AMERICAN HONDA FINANCE CORP (NY)

Listed inquiries below are what needs to be removed from my credit report : AMERICAN HONDA FINANCE (XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX ALONG WITH XXXX XXXX XXXX AND XXXX ACCOUNTS WHEN APPLIED FOR PULLED 4 REPORTS, XXXX, EXPERIAN, XXXX AND XXXX AND AS A RESULT REPORT TO XXXX TOO.