davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
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 opened a credit card with XXXX. It is a credit card company which debit your account every week after you make purchases. I closed the bank account that I was using for automated payments during my divorce. When I realized that, I immediately contacted the company which takes payments for XXXX and set up payment plan. I did that in XXXXXXXXXXXX XXXX XXXX Since then I have made 3 payments and paid off my account completely. I paid off every dime I owed before account was charged off or went into collection. Following the last payment everything was fine. However in XXXXXXXX XXXX XXXX the XXXX reported my account to the all three of credit bureaus as charged-off/collection account with over 5 missed payments and showing that I still have balance owed. None of this is accurate. I paid of the account and made payments on the dates that they stated I have not made payments. I contacted the company which took payments and they sent me the letter showing that I paid in full ( see attached documents ). I then contacted XXXX and after couple of emails they stopped replying or attempting to fix the issue. Because of this, my credit score has significantly dropped, and I have hard time qualifying for any credit or applying for jobs. XXXX has refused to remedy the issue and just completely ignoring me. This is extremely unfair since I worked hard paying off the account and making sure all of the payments go through to fulfill my obligation.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (TX)

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

Account Name : APPLE CARD GS BANK Account Number : XXXX 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 refurnish 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 conviction of crimes, which indicates the report by more than seven years 15 U.S.C 1681s- ( 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 calls to believe that the information is in accurate
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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 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 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  ALL THESE ACCOUNT HAVE VIOLATED MY RIGHTS 5 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. 16815-2 ( 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 2023-06-14
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)

These accounts was fraudulently made, Im a victim of Identity theft. I would like to have them removed based upon the fair credit act. 

XXXX XXXX Opened XXXX {$410.00} XXXX XXXX XXXX  Opened XXXX. {$920.00} Arent medical bills illegal? I thought they werent supposed to report on your credit.
Consumer complaint received 2023-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

My Capital One app sent me a notification for SSN Alert informing me in providing me an address located in the state of California XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX that I am not associated with. I also dont live in that state and never submitted anything ever associated with that address.
Consumer complaint received 2023-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

mistakenly sent rent payments to the wrong person over the course of several months, person did not respond to requests for repayment and Venmo refused to reverse the payments. currently out {$5600.00} as a result of this. 

All of this happened in 2021 and has resulted in significant further financial damages for myself and my family, including payday loans and moving costs associated with eviction. Venmo has ruined multiple lives in their refusal to fix this. 


I have not had a moment of peace in my life since this went down, and if my life continues on this trajectory I will wind up homeless.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC. (CA)

The account is invalid NET CREDIT INC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. NET CREDIT XXXX
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (MD)

Attached are messages sent by the consumer to the company. The consumer applied for a credit card online using a generic online offer of {$150.00} after spending {$500.00} in the first 60 days. 

Advertised here : XXXX XXXX XXXX XXXX XXXX After 60 days had passed on XX/XX/XXXX, the consumer contacted the company to ask where the offer was and when it would be applied. The company claimed that a different non-advertised offer was on the account and would not honor the offer on their website claiming they " could not review it ''.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase bank credit card. 

I was charged more interest at a higher interest rate during Covid19. 

Most major credit cards including XXXX XXXX were waiving all interest charges, while Chase increased my rates, for this to happen during Covid19 is unethical.
Consumer complaint received 2023-06-27
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation. I have the letter from the court saying that they are not reporting these kind of things and how come you have reported this on my credit report. Never did I filed for a bankruptcy.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with 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 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 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 15 U.S.C 1681 section 602 A. States I have 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 2023-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CULLEN/FROST BANKERS, INC. (TX)

I approached Frost Bank ( XXXX XXXX ) in XX/XX/XXXX for a personal, secured loan depositing {$1000.00} as required and received {$1000.00} as the loan. I paid off the {$1000.00} loan in ten months and requested my {$1000.00} and was told that I was not entitled to the {$1000.00} deposit I had placed to secure the loan since I had already received the loan of XXXX 

I did return in XX/XX/XXXX and followed the same procedure as in XX/XX/XXXX ( including paying off the loan in about 9 months at which time I requested if I would receive my {$1000.00} that I had deposited to secure this second loan ). I did receive the {$1000.00} as I had been told for this second loan. 

While I take medication that can make me occasionally foggy these are the facts as I remember and based on documentation that I have.
Consumer complaint received 2023-06-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Public record information inaccurate
Company: Figure Technologies, Inc (LA)

You Figure are not supposed to report this item as negative I will report you to the IRS for tax fraud let me know if you want me to proceed you are in violation of FCRA 15 USC 1681 EB for reporting information that is not 100 %. I demand that you delete this charged off item from my credit report. The next step will be to contact the IRS and request a 1099c form and report your company for tax fraud.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (TN)

This is a new card, and I have learned that this is a predatory lender taking advantage of people. 
For four months now, the company has tacked on a credit protection fee for {$3.00} when I never requested it. The first month that I noticed it, I asked that it be stopped. It was not. 
This company also generates insane late fees of {$40.00} + when the payment was NOT technically late! My payment was made on the same day it was due, however they did not process the payment until after XXXX XXXX, considered it late and then doubled my payment for the next month! Then after doubling the payment since the full amount was not paid, they added yet another late fee on top of that! I am not the only person upset about this. There are several reviews stating how awful this company is. 
The overseas customer service reps are not helpful, are rude, and do not care.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (FL)

Chase bank has deactivated the feature to request a Credit Card Limit Increase online ; it has been deactivated for more than 1 year. Every time I call and inquire why this feature has been deactivated Chase states they don't know why but I can apply over the phone. Today, XX/XX/XXXX, spoke with at least 3 different people including Escalations Department and a Supervisor named XXXX in Customer Service. XXXX stated " according to his system, I never had the feature based on what he was seeing in the system '' ; this is completely false, I have requested credit card increases numerous times online over the years and it has been approved immediately. However, last year ( approx. XX/XX/XXXX ) Chase cut my credit limit from {$12000.00} to {$500.00} and deactivated the feature and the feature has been deactivated ever since. Chase has stated in the past the feature will be available in the future ; however, now they're saying I never had the feature available to begin with and the only option is to apply over the phone. Chase bank lying and making false statements ; also preventing me from requesting a credit card increase online then creating false internal documentation to support their false claims and statements.
Consumer complaint received 2015-04-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My complaint is about telephone calls to me from a debt collection company. I have no outstanding debts of any kind. Yet I continue to receive telephone calls from this company whose website self-describes as a debt collection specialist. No message is ever left on my answering machine and many different numbers are used, presumably to defeat the call-blocking feature of a home phone. 
I went to the company 's website on XXXX XXXX XXXX, 2015 and stated that the calls had to cease as I had no outstanding debts so there was no case to be had with me. The calls resumed this morning so I am filing this complaint. 
Your form required me to choose a type of loan, but there is no loan concerned with this company or me. Your form also required me to best describe my issue, but again, there is no loan, so my issue is best described as harassing or annoying phone calls.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (PA)

I took out a XXXX 's card and set up automatic payments. The payments didn't go through and I never got an email or letter telling me until after I got a late charge. When I called, I gave them the exact same bank account information I had entered for the auto-payment to process the payment over the phone with the late fee and it went through just fine. The person on the phone said she couldn't find any reason in the system why my auto-payment didn't go through and that the account info matched, so she wasn't sure what the problem was, but that I was responsible for the late fee even though it wasn't my fault. I had enough money to cover the payment in my checking account, so that wasn't the issue with why it wouldn't go through. I then told her to cancel the card because I wasn't going to deal with this headache every month and the person on the phone said she cancelled the card. This morning, I got an email telling me that I had a payment due on this card. I looked and there was a {$2.00} interest fee. I just called them again and was told that as soon as I paid the {$2.00} my card was slated to be cancelled in the system. This feels like extortion. How many times do I have to cancel this card before they will actually let me?! She said she would reverse the {$2.00} fee and the card would cancel, but I have very little faith that this will actually happen. I am wondering what my recourse is if they try to charge me a {$30.00} late fee on top of a {$2.00} interest fee? I do not understand how it is legal for credit cards to take advantage of people like this. I will never get a credit card through Comenity again, and as soon as I can pay off the other ones that go through their service, I will be cancelling those, if they'll even let me.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Been almost 3 years complaining with no help about the fraud that took place. The Cfpb is not helping my case as to the fact almost XXXX was stolen from me by the bank allowing it to be data breached or stole out the mail this is a newer crime that is very high in my state and area, they are completely ignoring my case its been 6 attempts to get the provisional credit like stated in the lawsuit and in the laws to protect in general. I have been belittled by the bank first stating for the first claim I never was sent to escalation team 2-3 years of finding out I was approved, because remind you it to as frozen at first until I verified me, XXXX went and verified me again to I guess boa that I was unaware gives the card out, they sent me to do another escalation claim when I wrote the Cfpb and stated I need to place it, well its XXXX and almost a year into seeking help I still get the ( BOA HAS REQUESTED MORE TIME ) this is unlawful and I want to sue for the bank committing fraud at this time to me by stating lie to me in the mail about th e claim being less rehab 90 days old and resting more time this is my 5 claim and if there was a real investigation there would be no more time needed, please I have tried to plea my case but also Im asking for the Cfpb to send the info to the commission my next step is to contact the news downtown and place a court summons to the bank for the delay of processing my claim lies they stated in 4 packet they have finished this investigation which I know is a lie due to me being honest as welll as them asking for more time please force the provisional credit until the case is over the right way this is a joke to me and anyone thinking they are actually carrying about your money, if th Cfpb cant do it the news or court will.
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

An apartment was rented that had began leasing on XX/XX/XXXX in my name. I was unaware of this until Saturday, XX/XX/XXXX when I received a notification that a collections account was added to my credit report. It is in the amount of {$24000.00}. I contacted the debt collector and they gave me a list of items to provide to prove that this is identity theft. This is the third apartment that has been rented using my identity in the past year, and the debt collector mentioned having a fake drivers license and paystubs in my name as well. I live in a completely different state than all 3 of these apartments and am trying extremely hard to remove them from my credit report as well as have these individuals handled properly as this is criminal behavior. I have since gotten identity theft protection.