davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The current ten-year HELOC was set to expire on XX/XX/XXXX. XXXX XXXX instructed us to apply for a new HELOC as the expiring HELOC product was no longer available. The new HELOC application was completed and submitted on XX/XX/XXXX, XXXX XXXX responded as follows : > Credit Score created on XX/XX/XXXX through Credit Reporting Agency : Experian > Special Credit Score Disclosure Form > Housing Counseling Agencies Notice > Declination letter dated XX/XX/XXXX > Contacted XXXX XXXX Consumer Lending Department upon receipt of declination letter only to learn that the department generates their own custom credit score using credit reporting information obtained from Experian ONLY! This was the first time an application for credit has been denied for either one of us. Despite debt/income and loan/value ratios exceeding the requirements, the declination determinate was XXXX XXXX custom credit score fell ten points below the banks required minimum score. This news ensued with disbelief as are FICO scores continuously reported within a range of 760 to 820. Further investigations produced the following : > My individual credit score obtained from Experian within days of the declination resulting in a score thirty-nine points higher than the referenced initial credit score from XXXX XXXX. > Credit scores calculated by the other two national credit reporting agencies were ninety and one hundred ten points higher than the referenced credit score from Experian/XXXX XXXX. > On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a Consent Order Administrative Proceeding File No. XXXX against XXXX  XXXX, XXXX and companies for deceptively marketed credit scores to consumers by misrepresenting that the credit scores it offered and provided to consumers were the same credit scores lenders use to determine creditworthiness, in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), U.S.C. 5531, 5536 ; and. Per review of the Experian Credit Report dated XXXX XXXX, unpaid medical bills are listed as current collection debts without any reference to their validity, date of service or expiration via Florida Statutes of Limitations. These same medical bills negatively impacted the initial credit score from Experian/XXXX XXXX despite creditors being prohibited from obtaining or using medical information when making a credit decision per the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (TX)

In XX/XX/XXXX, I made a {$4400.00} payment to American Express ( AMEX ) via a convenience check on my XXXX XXXX ( XXXX ) credit card. Basically, I did a balance transfer of {$4400.00} from AMEX to XXXX. AMEX received the check and applied the credit to my XX/XX/XXXX statement ; meanwhile XXXX added the {$4400.00} to the balance owed on my credit card with them. Shortly thereafter, by XX/XX/XXXX, I paid off the XXXX credit card in full, which included the {$4400.00}, and I closed the XXXX credit card account. Now, in XX/XX/XXXX, 6 months later, AMEX applies {$4400.00} to my statement balance, claiming that the convenience check from XX/XX/XXXX was returned unpaid by XXXX XXXX. I never received any type of refund from XXXX, and they insist that the payment was made to AMEX. I disputed the amount with AMEX several times, sending them XXXX statements and documents showing that the amount was paid, yet AMEX still claims that I owe them the {$4400.00}. On three separate occasions I requested documents from AMEX showing that the payment was returned to XXXX, and AMEX has not yet provided any documents even though they promised to. I don't know what else to do, or who to turn to for help with this issue, please help, thank you.
Consumer complaint received 2017-08-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PNC Bank N.A. (FL)

We 've been clients for many years to this PNC branch on XXXX XXXX, Florida and are well know by previous manager and most of the employees. We were always solicited by the staff to get a car loan because we were telling them about our intention to purchase a car. After deciding to go forward with them, most of the employees are now different and new. They sent the application and we received a denied letter from them with absolutely no details on the letter to explain why. After calling the branch, they do n't want to tell us why they denied us even if credit bureau is over 730 and our financial profile is XXXX with no debt, good incomes and good equity. They are now saying that thins has now changed and that they ca n't talk for previous staff.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount Recovery Systems, L.P. (TX)

I have 2 items listed on my credit report as collections from the Company Paramount Recovery ( 1 ) {$850.00} and ( 2 ) {$980.00}. I have sent certified letters to dispute these charges to the credit bureaus and to the Paramount Recovery agency to no avail. ( Letters were sent XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. ) They continue to say the debt is valid, with no evidence of such. However, per my insurance XXXX XXXX XXXX XXXX - there are no claims from providers for these amounts. I am requesting that both items be deleted from my credit file. I have no other collections and this is a hardship and burden to me and my family.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (FL)

ON XXXX XXXX I RECEIVED A LETTER FROM CHASE BANK USA INFORMING ME THAT I WAS DENIED A CREDIT CARD DUE TO MY POOR XXXX CREDIT REPORT. THE PROBLEM IS THAT I NEVER REQUESTED OR GAVE AUTHORIZATION TO CHASE BANK TO PROCESS A CREDIT CARD APPLICATION. I HAVE WRITTEN TO THEM BRINGING TO THEIR ATTENTION THEIR VIOLATION OF MY PRIVACY RIGHTS AND DEMANDING ACTION TO CORRECT THIS VIOLATION. SEE ATTACHED LETTER ADDRESS TO CHASE. I WANT YOUR BUREAU TO ADDRESS THIS WITH CHASE, BUT MOST IMPORTANT TO CHECK THEIR RECORDS TO MAKE SURE THIS BANK WHO HAS AN EXTENSIVE HISTORY OF FINANCIAL AND CONSUMER LAW VIOLATIONS AND BEING FORCED BY THE JUSTICE DEPARTMENT TO PAY BILLIONS IN FINES, THAT THERE IS NOT A PATTERN OF VIOLATIONS SIMILAR TO THOSE EXPERIENCE BY XXXX XXXX CUSTOMERS A COUPLE OF YEARS AGO.
Consumer complaint received 2017-08-16
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: JPMORGAN CHASE & CO. (MN)

I made a purchase though the Chase Visa Ultimate Rewards website link to a merchant website that gave me an additional 3 % when I " Shop through Chase '. There was an issue with my card and fraudulent activity after this purchase that caused the purchase to be denied. I then had to call the merchant and make the payment over the phone. However, I want to be sure that I am still awarded this additional 3 % cash back because it was my intention to do the transaction that way. It was not my fault that Chase canceled this transaction and issued a new card ( account number ). At this time, the post is pending and has not posted to my account. I was being proactive and wanted to inform Chase of this transaction to be sure they rightfully awarded the cashback. They told me I had to wait until it was posted. I informed them to make a note and check back as it would be easier for both parties. They  informed me they could not make a note. For that reason, I am submitting this complaint so this is not forgotten by either side and there is an official record of the issue to be sure it is handled correctly. Please make sure the correct cash back is awarded in this transaction.
Consumer complaint received 2017-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

This complaint is against Coinbase Inc., ( www.coinbase.com ) who are currently holding my funds of {$3000.00} wrongfully.
On XX/XX/2017 I made a wire transfer from my bank ( XXXX XXXX XXXX ) to Coinbase Inc ( for {$3000.00}. The wire was successfully completed by the bank, but I did not see the funds in my Coinbase account. When I raised a support request, the support rep from Coinbase said they had rejected the wire as the account names did not match. ( My bank account is a joint bank  account that has both my name and my husband 's name, I do not see why this was rejected ). The customer service rep from Coinbase said they will wire out the {$3000.00} back to my bank account and I should see the funds back in my account within one business day.
It has been four business days so far, and I have not received the funds. I have called up my bank several times and they say they do not see the incoming wire transfer. I have tried contacting Coinbase several times ( raised support tickets, messaged them on XXXX and XXXX ) but to no avail. They have not responded to my request.
Consumer complaint received 2018-04-18
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. (NY)

Wednesday XX/XX/XXXX I contact Trans union in regards to the excess of credit inquires on my credit report. I spoke to a rep By the name of XXXX XXXX. I explain to him clearly that the information on credit report was due to the recent security breach that Trans union tries to fix but failed miserably. Trans union has put this unverifiable inaccurate frivolous information on my credit report and refuse to remove. The unauthorized information has brought my score down 9 points. Here is a list of inaccurate inquires that are reporting. 

XXXX XXXX on XX/XX/XXXX XXXX XXXX REPEATED XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XXXX XXXX, I bought a cell phone from XXXX using my capital one XXXX credit card. On XXXX XXXX, I got the XXXX XXXX phone, which is defective. I called XXXX XXXX times from XXXX XXXX to XXXX XXXX to return or exchange the phone, they promised to let me return or exchange the phone but did not give me the XXXX number which is a prerequisite for return or exchange. On the morning of XXXX XXXX I called Capital One to dispute the charge of {$79.00}, and Capital One refunded me the amount. After XXXX XXXX, XXXX sent me another phone which works and I returned to them the XXXX phone. After XXXX XXXX because the phone service on the second phone was cancelled due to the chargeback on the credit card, I called XXXX several times and told them I am happy with the second phone and requested to resume the service. They kept telling me they are not going to resume the phone service on the second phone due to the credit card chargeback. Before XXXX XXXX, their response might be reasonable because of the chargeback. However, things totally changed on XXXX XXXX, when XXXX rebilled my credit card and it showed up on my capital one account. On XXXX XXXX, I called XXXX, requesting to resume the phone service with them since they already rebilled {$79.00} to my credit card on XXXX XXXX. However, XXXX refused to resume the phone service for me. This is unreasonable, if you do not want me to use your service, why you rebill my account. Charging me {$79.00} and refusing to let me use their service is just wrong.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XXXX XXXX, 2016 I was notified via a credit monitoring website that a new collection account was listed on my credit report XXXX XXXX XXXX XXXX " XXXX '' ). On XXXX XXXX, 2016 I paid the balance in full with the understanding that it would be completely removed ( not just marked as " paid-in-full '' ) from all of my credit reports. On XXXX XXXX, 2016 XXXX received notice that all notifications regarding the deletion of the accounts were received by all of the credit reporting agencies. At this point XXXX had never reported the collection account. The account was removed from XXXX ( which was the only agency reporting such account ) on XXXX XXXX, 2016. On XXXX XXXX, 2016, after having received a notice to remove the account from XXXX and having ample time to do so, Transunion added the collection account to my credit report. The account with XXXX has never been reported with Transunion, so even after notice to remove the account from the credit report, no action should have been taken by Transunion. Instead of following XXXX 's instructions, Transunion has done the opposite, by adding the should-be deleted account, which has dropped my credit score by XXXX points. I am in the middle of being approved for a loan which I fear will be denied due to the erroneous actions by Transunion. I spoke with " XXXX '' at Transunion who informed me the only thing they can do is dispute the account which could take 30 days to receive an answer. I informed him that I 'm not disputing the account, but I 'm disputing Transunion 's actions, as they are the ones who made the mistake and have already received notice from XXXX two and a half weeks before even adding the account to my credit report. Please contact Transunion as soon as possible to tell them to delete the account to prevent my loan denial due to the fault of Transunion.
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I received a call on Tuesday XXXX/XXXX/2016 from a third party, XXXX, who I had an open account with stating that the third party XXXX closed my account. I made contact with XXXX later that evening and I was informed that my account has been reported as 78 days past due, which at that time 78 days prior would 've been XXXX XXXX, 2016. This is untrue, due to the fact that I made XXXX payments to XXXX. The representative stated, that my account was reported to the credit bureau as 60 days past due XXXX times, and 30 days past due XXXX times. This information is inaccurate. The representative stated that it is a result of their billing cycle and not that my account was actually 30 or 60 days past due. I am writing because I have made over {$400.00} in payments, which is in compliance with my monthly bill payments, and I am being told that my on time payments are not being honored, and that my account has been inaccurately reported. My understanding is companies report to credit bureaus when an account is minimally 30 calendar days delinquent. This is not the case, my account is being reported based on the companies billing cycle.
Consumer complaint received 2018-04-18
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: Experian Information Solutions Inc. (AL)

I called XXXX  and XXXX, and Experian, I have inquires from places that I know I didn't apply to cause I have bad credit so it wasn't any reason for me to apply so I called them and ask them would they removed them because I am a victim of inquiry fraud. 
They have not .so I'm telling everyone out there that it is some fraudulent stuff involved at these credit beureas..
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Karma (RI)

hey, I have a pair of collections that wasn't me. So I was checking my credit scores and saw collections that I know are not mine. I've clicked the collections to get further details and the collections claim to be in the amounts of {$330.00} and {$830.00}. The creditor is " XXXX XXXX XXXX '' and account status lists that it was opened on XX/XX/2017. I am XXXX years of age, I know I don't pay for electricity bills or gas bills yet and believe a family member who may know my info caused this.A family member has the same name as me and most likely knows my social so I am assuming but cant be 100 % correct. I have called XXXX XXXX to ask questions and was told the address linked to the account was not my current address at the time this happened. Due to security reasons over the phone they couldn't provide me with address details but would love to get this solved immediately please. Thank you for your patience and help!
Consumer complaint received 2016-06-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit score has dropped XXXX points and the only action taken is that the monthly monitoring fee of {$19.00} was discontinued. The XXXX credit based companies are paid as agreed and in fact are being paid ahead of scheduled periods. The complete breakdown of the unfair credit reporting and scores being shown on website ( XXXX ) based on facts and details has the credit reporting companies dropping scores. Transunion has not in the last three months has not explained factually how the score is established and answers are total vague and based on unknown factors. Why should citizens have to pay for credit scores? The stoppage of monthly fee should have not changed score but it is factually only action at time of score drop.
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

An action was filed by United States CFPB against Regions Bank regarding overdraft protection - some accounts were charged overdraft charges when they had not signed up for overdraft protection services - the accounts had to be linked to a savings or other account that could be used to cover overdrafts. I did not have such an account, and did not sign up for that service, but was charged overdraft fees anyway- this occurred from XX/XX/XXXXto XX/XX/XXXX. in fact it only stopped when I learned of the action while online- I was never contacted regarding the action and did not choose whether or not to participate in the action. I have contacted customer service at the bank 4 separate times ; each time I was shuffled to other departments or referred back to my branch, who was unaware of the action, or was otherwise not taken care of. I was told to email the legal department, which I did twice, and I have not received any response from them. At one point I was told I could receive some of the charges, but then the customer service person refused to refund any of the charges.

I have just spoken to them again, and this time I was asked to fax the documents to the legal department. the customer service rep I spoke to said she would also file a complaint for me.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted Transunion and XXXX and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with Transunion. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, becase my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my teenage daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.
Consumer complaint received 2017-03-03
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (TX)

Ad Astra Recovery Services in XXXX Kansas.. I Called two times to settle the debt, continuously ask for a credit card payment right than without sending a confirmation letter of the amount the debt was settling for. I believe I do have a right to receive a letter confirming the amount and that the debt would be considered paid on my credit report. The last letter I received from them was XX/XX/2013.
Consumer complaint received 2023-03-18
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 written 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 if information. Any other adverse of information, other than records of convictions of crime which antedates report by more than seven years.

15 U.SC 1681s-2 ( A ) ( 1 ) 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 information is inaccurate.