davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-28
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. (PA)

i have tried to have this incorrect reporting resolved for the past several months with no resolution it is still reporting inaccurately. This account has been reaged and is a violation. please delete this immediately.I have attached a copy of my credit report as proof Transunion is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX XXXX is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX XXXX is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX As you can see this account XXXX XXXX XXXX has been re-aged in is a violation please delete this from my report now
Consumer complaint received 2019-11-28
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: Experian Information Solutions Inc. (NY)

Today XX/XX/2019 I received a message that one of my credit cards ( XXXX XXXX  ) is over the limit.this information is incorrect the card is not over the limit. XXXX XXXX sent me this message. I tried to get online to dispute this wrong information with XXXX but they wont let me online it kept saying error message and not able to complete my dispute. Having this wrong information has dropped my credit score.
Consumer complaint received 2019-11-28
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. (AZ)

I have several accounts on my credit report that are double reporting and I have several accounts on my report that the agency is saying it is accurate but when I notify the companies they can not provide me with information and they said that if I have any information to send to them but per the credit reporting agencys investigation they can not verify the account. But the credit reporting agency has stated that they verified it Is accurate.
Consumer complaint received 2020-06-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

I purchased an item and paid for it via Paypal. The seller shipped me an item " not as described ''. I contacted the seller and they assured me numerous times that they would ship a replacement. 3 weeks transpired and they refused to provide any tracking information and all i was getting was lip service/run around. I opened a dispute with Paypal for the incorrect item. Paypal did authorize the refund IF i returned the item back to the seller. I told them I would be happy to do so but that I will not be responsible for shipping charges to return the 15LB item back to XXXX ( shipping alone is calculated at over {$150.00} ). I ordered the correct item and the customer service rep for the company confirmed what i ordered and was shipped something completely different, not to mention the item i received is a counterfeit XXXX  product made in XXXX. The seller advertised the items online as XXXX. I used Paypal for the protection that it gives the seller and the buyer. However paypal is now telling me that I must pay the return shipping on an item that was sent to me fraudulently to get a full refund.???? Why am I responsible for return shipping on an item that is clearly fradulent and not what I ordered????? Paypal refuses to budge on this issue, even tho i have made it very clear to them what they sent me is ILLEGAL!!! They dont care at all they are happy protecting the criminal seller and punishing me the customer for making a normal purchase. The only way to solve this issue is a full refund of my money! The only person they are protecting in this issue is the seller and themselves.
Consumer complaint received 2019-11-28
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One advertises that you earn XXXX miles for every charge you make on their Venture One credit card. I have accumulated XXXX miles which they claim I can use for travel, cash back, credit to my account or gift cards. They tell me that this is worth {$370.00} on the website and when I call them. I tried to use this to lower my balance on the credit card, and it would only lower the balance by {$180.00}. I called them up and they told me that if I wanted cash back they would only redeem the miles at 50 %. I decided to try using my miles to get gift cards. If I wanted a {$100.00} gift card I needed to redeem XXXX, XXXX miles. So, in reality I earned XXXX miles for every {$100.00} charged, but I need to redeem 125 % of the miles for a gift card. This is deceptive advertising. Sure, you earn 1.25 %, but they take back the extra .25 % when you redeem the miles, making the actual rate that I earn 1 %, or .625 % if I want cash back.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (CA)

My name is XXXX XXXX SSN : XXXX and my complaint is against Rise Credit, account open XXXX XXXX date closed XXXX XXXX, due to fraud activity with a balance of {$3800.00}. Back on mid 2015 I was a victim of identity theft, product of this issue fraudulent accounts started to open under my name. My personal information was compromised and as a result my account with your company was fraudulently opened. I did not authorize ; neither did I benefit anything from this fraudulent account that was included in my reports. This complaint is a direct confirmation that I want this account deleted. In accordance with the Fair Credit Reporting Act, please stop all collection proceedings. I have enclosed copies of My FTC report made back on 2015 that RISE has ignored for 4 years and the Federal Trade Commissions notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. I request that your stop collection activity and remove this account from my credit reports. I demand an immediate deletion letter from this the mentioned company. If I have to take this case to a federal court because of RISE negligence and unfair business practices believe me, Im ready to pull the trigger with that lawsuit. If the mentioned company provides me a deletion letter no legal action will be taken against RISE or whoever their mother company is. Im also including on this complaint XXXX XXXX XXXX XXXX because in the report in RISE information the address they have is from the mentioned company. An Im also including XXXX   because its the only credit bureau which it is reflected on and Im pretty sure they will do a serious investigation regarding the matter. Thank you!
Consumer complaint received 2019-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This complaint is about how I had ordered a product on XXXX and the person I sent my money to ( through XXXX on the Bank of America app ) never sent me my product. This is completely unfair as Bank of America does not even have a proper warning of how they do not have any kind of fraud protection. Not only do I believe I deserve reimbursement for the {$210.00} I lost cause of this important knowledge Bank of America failed to correctly advertised, but I also believe this needs to be something that is extremely clear for all users of the Bank of America application. For such a trustworthy bank I thought there would be protection for something like this and I am extremely disappointed in my experience with this bank so far.
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance CAS, LLC (GA)

This complaint is in regards to Alliance CAS, a debt collection agency that was retained by our now former management group whom was terminated for their questionable " professional '' actions. 

Alliance CAS maintains that they have attempted to contact me, their primary case is that it was via email, which twice in one day had to be corrected that they had the wrong email address. ( On a recorded line ). No effort was made in part by this company to contact me and resolve my debt in any formidable way. Not by email, direct phone contact ( they call every few months allegedly and do so from a blocked number. As if any reasonable person answers unknown numbers these days with the amount of robocalls regarding auto-warranty renewals, and they never leave a message ), and not by direct mail either. Their consolidation statement proves that fact. 

Now with that said, no written contact to the debtor is a violation of the FDCPA. All the while of maintaining " no contact, '' this company has been piling on " administrative/oversight '' fees to the absurd amount of {$250.00} a month, quickly tripling the amount of legitimate debt in question in 2 years time. 

This is not the first attempt I have made to resolve this debt either. I contacted this company in an effort to resolve this issue on 2 prior occasions. On one attempt they offered me a structured payment plan that to engage in required a deposit that didn't apply towards the balance but rather increased the balance by {$600.00} just to start a payment plan. On my second attempt, the management company and Alliance CAS took turns passing me back and forth from each other because neither company had a record of who held my debt. 

Frustrated, I now find myself in a hole way deeper than what the legitimate debt is actually for. If you find yourself with a debt in question with Alliance CAS, pay it now or be prepared to contact a lawyer.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MO)

I opened a ( comenity bank ) issuer of credit card account, after XXXX replaced XXXX  at the end of XXXX, in the town of XXXX, Mo. This bank ( Comenity ) issues credit to all stores listed, ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, & XXXX ). 
XXXX  credit card purchases ( XX/XX/XXXX & XX/XX/XXXX ), ( which was paid in cash at time of credit card use ) was also billed to ( Year XXXX ) XXXX account. 
I am being credited for these purchases on XXXX statement, sent in mail, and charged through text message by XXXX, same paid purchases XX/XX/XXXX & XX/XX/XXXX.
Consumer complaint received 2019-11-29
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

A charge was made on XXXX XXXX XXXX for XXXX of which we have a disputed. The merchant advised that the case was lost and we should have received a refund its been weeks. Capital one has not giving us our money and every time I call its a different excuse. The last one is that the case was still open when its not. This is a closed account and Im requesting that they issue us a check for the amount that they owe us.
Consumer complaint received 2019-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NV)

This account a collection agency is trying to collect on is already closed by the creditors, this account has been closed and settled since XXXX/2016, yet, the creditors and collection agency continue to re- age this debt before selling it back and forth to each other. I had spoken to XXXX XXXX on several occasions and they closed the account, but yet they ( XXXX XXXX ) and ( Midland funding ) keep selling it back and forth ruining my credit more.
Consumer complaint received 2019-11-28
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2019-11-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SUNTRUST BANKS, INC. (FL)

Suntrust Bank # XXXX XXXX XXXX # XXXX, and XXXX # XXXX, XXXX XXXX XXXX # XXXX reporting a fradulent Loan on my credit report,
Consumer complaint received 2019-11-30
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: Experian Information Solutions Inc. (VA)

An account was created with my information at Experian. I only learned about it from a confirmation email several days later. It seems there was never any email or phone confirmation required for the fraudulent sign up. 

It's not clear what personal information of mine was exposed, but I also see fraudulent activity on Experian, so it seems as though the sign up with Experian was used to facilitate identity theft. I'm still just starting to look into that.
Consumer complaint received 2024-08-30
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. (TX)

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.

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 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 ) ( 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 the information is inaccurate.
Consumer complaint received 2019-11-30
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: FIRST NATIONAL BANK OF OMAHA (NY)

they call before XXXX XXXX and XXXX XXXX, They call at XXXX XXXX through XXXX XXXX XXXX   They never leave a message. also when I try to talk to them they hang up. XX/XX/2019 through today XX/XX/2019,
Consumer complaint received 2019-11-29
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: EQUIFAX, INC. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2023-06-07
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. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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. (SC)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2019-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (VA)

American Express is refusing me the right to enforce the terms and conditions of Arbitration regarding the dispute of XXXX and XXXX XXXX. 

I have demand Arbitration under the Frederal Arbitration Act regarding the Pending Dispute.
Consumer complaint received 2020-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (DC)

On the day of XX/XX/2020, I went to an dealership to purchase a care for the use of work and school. The car that was sold to me was an XXXX XXXX XX/XX/XXXXXX/XX/XXXX. The dealership sold me the car for the price of XXXX with monthly payments of {$430.00} with and interest rate of 22 %. Not making the right decision of actually looking around. The down payment that I had put on the car was {$1800.00} with only putting down {$1400.00} and owing {$300.00} which i payed. I am now paying an overall amount of {$32000.00} for the car over the period of 72 months. The dealership really conned me out of this deal as when i went back to discuss the situation they couldn't do or say anything but it was to late after bringing the car back 2 1/2 days later. My interest rate is really extreme and i want to be able to fix this if possible. On the day of XX/XX/2020, i went to get my car registered and I couldn't because I needed the title so i contacted the dealership. I spoke with the woman that signed off on my documents and she sounded very qwerky as if in a it is what it is voice. I told her i needed the title to register my car and she said the wasn't possible because they were still " processing '' that and other items. This dealership isn't the best one to buy a car from and this will be my LAST time. This was my first car to have ever bought and my first car period and my experience has been horrible even finding an affordable insurance. Hopefully someone can help me.!?
Consumer complaint received 2019-11-28
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: EQUIFAX, INC. ()

1. Asked Equifax who is updating my previous residences on page 6 of 14. It appears that it is being updated with invalid address every month - who is the source? Equifax has refused to tell me who is doing this and has hung up on me 5 times. They just put me on hold and then hang up. 

2. Received letter dated XX/XX/2019 ( XXXX ) stating my credit file has been lost. 

For Equifax 's reference on my credit report 's : Confirmation # XXXX XX/XX/2019 Confirmation # XXXX XX/XX/2019 Confirmation # XXXX ( not received as of yet. ) It appears that Equifax does want to tell me who the source is of the previous false information on my credit report so they just say my file is lost.
Consumer complaint received 2019-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MN)

On XX/XX/2019 I opened a Best Buy Citi card and was granted a {$4000.00} credit limit. Later I contacted the company in order to request a credit increase as I wanted to purchase a couple of televisions and use the 24 month free financing promotion. During the call to request a credit increase, I provided my mobile phone number which has been registered in my name for a couple of years. This number was the same number used as verification for account initiation earlier in the day. The company told me that they could not verify my phone number and I would have to wait for a bank verification by phone or mail. 

When I attempted to use the card, I was declined. At that point I contacted customer service and was informed that my account was locked until it was verified. The person would not answer my questions about how that could be or how long it would take to unlock and was extremely terse throughout the entire encounter. I attempted to close the account and was informed that they could not close my account as it was locked.