davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (MI)

My PayPal Mastercard Branded debit card was stolen and used without my permission to make unauthorized transactions. I contacted PayPal support and filed a claim and they denied my claim without any examination. They I looked at the Debit Card User Agreement and it clearly says that I am protected against fraudulent use or unauthorized transactions on my Mastercard branded Debit card.
Consumer complaint received 2024-07-29
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. (FL)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2024-07-29
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. (FL)

They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (CA)

THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Subject : Request for Debt Validation Dear THE BUREAUS INC I am writing to request validation of the debt referenced in your recent communication dated XX/XX/year>. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt, including details such as the amount owed and the original creditor. 

Please provide the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of any agreement or contract that establishes my responsibility for this debt.

4. Verification that you are authorized to collect this debt on behalf of the original creditor.

Until I receive this information, I request that all collection activities cease, as required by law. Please send the requested documentation to my address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-05
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. (MO)

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}.
Consumer complaint received 2024-07-29
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. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-10-08
Product: Credit reporting 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)

Recently, I received a copy of my credit report and noticed several inaccuracies as well as unauthorized accounts/information reporting to my credit report. Prior to me seeking Legal Representation, I would like to attempt resolving this situation myself. These remarks have been detrimental not only to my career and credit health but my child has been impacted as well.
Consumer complaint received 2024-07-29
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

Multiple letters have been mailed requesting for the information to be delete it and removed from my credit. First letter send XX/XX/24, second letter sent XX/XX/24 and final letter sent on XX/XX/24. No updates have been provided or correspondence. 

Account XXXX AMOUNT XXXX Account XXXX Amount XXXX
Consumer complaint received 2024-10-08
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Hello, I've had reached out several time to the Genesis credit management DBA Columbia credit recovery to send over an original signed agreement contract showing that I am obligated to pay Columbia credit recovery a debt of {$310.00} which that I do not owe them and they fail to comply to my request on sending over the original agreement showing that I owe Genesis credit management DBA Columbia credit recovery. They sent over a copied doc of a signed paper of a break down bill from a different company besides themselves which the signature on the paper does not match my signature. This is most definitely violating my rights under 48 USC 2106 Failure to regulate business practices by law. 

If the furnisher can not provide evidence to verify the accuracy of the information after a dispute, they are required to remove or correct the information in the credit report. 

Also, there are two different balances being reported on my credit report and mailed out by Columbia credit recovery {$300.00} and {$310.00}. This falls under 15 U.S. code 1681s- inaccurate information
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Upgrade, Inc. (CA)

UPGRADE INC Account # XXXX, I recently viewed my credit report and notice an item was turned into a charge-off. I never received a 1099 form and was wondering could you please send a 1099 foe the item that is reporting as a charge-off on my credit report.
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I was having XXXX credit score and decided to open XXXX credit cards from XXXX XXXXso I applied and got it approved by Bank, got both cards delivered to my home, was using it for more than a month.. suddenly all my ACH transactions got declined and was charged fees from merchants for declined transactions and when I enquired bank, they said both of my credit card accounts are restricted to use further.XXXX then they asked me to sign XXXX IRS document, I signed and shared back to them.XXXX after few days bank closed XXXX of my accounts.. by saying records provided not match with IRS filled.XXXX dont know what the expectation was.. how come Wells Fargo closed one account and kept another account active.. if my information is wrong the you can ask me to share the right information but you didnt.. you simply closed XXXX of my accounts and very poor customer service.. never faced this kind of frustration with any other bank..
Consumer complaint received 2024-10-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TN)

Closed my costco anywhere citi card but i still owe money on it. I'm on a payment plan so that's settled. Thing is I can't remember my card number now and i need that to reset my password for online account access. They won't let me use any other forms of identification to reset it or simply just send a password reset to the email i have on file so at the moment i'm unable to see my account balance, make additional payments or fix any other payment issues that may pop up.
Consumer complaint received 2024-07-29
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. (FL)

XXXX is violating XXXX XXXX XXXX. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SERVISFIRST BANCSHARES, INC. (NC)

ServisFirst Bank ran a hard credit inquiry on my credit XX/XX/2024 without my consent. My account has been in outstanding good standing with no lates, adverse actions etc. Im requesting to have this inquiry removed as it has drastically lowered my credit score that Ive worked very hard to build.
Consumer complaint received 2024-10-05
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (IL)

XXXX  report XXXX loans 90 days late. They have been closed due to consolidation that said they were never late. The company is now defunct, and there is a lawsuit that I believe consumer finance is helping with that said this has been very detrimental on my credit report. I tried to contact the Old XXXX  and they are no longer open. I tried to submit a correction form and they never obliged and then I contacted Aidvantage who now holds my loans and they said they cant do anything and XXXX  said to contact them so its a whole circle back and forth no resolution or progress. Aidvantage said they cant do anything because they didnt hold the loans at the time Navient said they no longer have the files. However when they did they never corrected this error, but it is affected my credit score negatively over XXXX points and I dont know when it will be removed if ever
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (NJ)

Received a claim for unpaid debt - sent a debt validation request certified return receipt through USPS - company has refused to validate the debt - they did not validate or provide original creditor verification why I am required to pay- to identify if there was an insurance claim against this supposed debt - copy of last billing - how they came to this amount and to prove they are legally able to claim this supposed debt - I can supply the letter I sent as well as the USPS receipt
Consumer complaint received 2024-10-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I Friday XX/XX/XXXX th i purchased a {$500.00} vanilla visa card at XXXX. When i got home to activate it it said there was no money on it and inside the envelope was a {$50.00} card not {$500.00}. I went back to XXXX and ask the supervisor about getting a new card with the {$500.00} i paid in cash. She said this happens all the time its a scam i asked her what did she mean she took me to the isle and we t thru the cards and found another fraudulent card. 
Apparently XXXX knows all about it I called the XXXX company and i got nowhere meanwhile im out {$500.00} which is a lot of money for somebody unemployed please help me?
Consumer complaint received 2024-10-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (PA)

Someone tried to steal my gift card and I need to prove my identity by sending these documents to the email address they provided me with so I did that multiple multiple times with no resolve of the issue they have not returned an email or have I heard anything from them The only time I'm able to get any kind of information is when I call the number on the back of the cards and they keep giving me the runaround I have not heard anything back on this issue I would like this result as soon as possible
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my credit report, I discovered several hard inquiries that I did not recognize or authorize. These false inquiries appeared on both TransUnion and XXXX reports and included entries from various banks, auto dealerships, and finance companies. It seems that these inquiries were either the result of clerical errors or potentially unauthorized attempts to access my credit information, possibly indicating identity theft. 

I did not apply for credit with these institutions, nor did I seek any new auto financing around the time these inquiries were made. To address this issue, I have contacted the creditors involved to verify the legitimacy of these inquiries. I am also in the process of disputing the unauthorized inquiries with the credit bureaus to have them removed from my report. Additionally, I have placed a fraud alert on my credit files to protect against any further unauthorized activity and am closely monitoring my credit reports for any other discrepancies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC (CA)

I used a payday loan with speedy cash and I stopped using them but I was already paid off and they still took money out my account a while back after I stopped using them so I got a new card and now they are saying I owe them XXXX payment of XXXX when I havent got any money from them in a while
Consumer complaint received 2024-10-07
Product: Credit 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: JPMORGAN CHASE & CO. (CO)

I disputed a transaction with XXXX XXXX back in XXXX, using my Chase Sapphire Preferred credit card. Four months later, the merchant finally responded. JPMChase then requested additional evidence from me, but their calls only came during work hours, making it difficult for me to respond. When I tried to submit the evidence after work, their phone lines were already closed. When I finally reached out, I was told I had missed the deadline by just 30 minutes, and the case was closed in favor of the merchant. 

I escalated the matter to a supervisor, who granted me an additional 48 hours to submit my evidence. I provided it within that time frame, but now theyre claiming theres no record of the extension or the manager who granted it, and theyve closed the case again ( even though Chase records all of my phone calls ). 

The transaction I was disputing was for a XXXXXXXX XXXX charge of {$2200.00}, posted on XX/XX/year>XXXX XXXX XXXX claimed that the booking was canceled because my party did not make the cruise, which is inaccurate. We were actually denied boarding due to a visa issue, despite being reassured by our XXXX XXXX, XXXX, that it wouldnt be a problem. All calls between our party and XXXX from XXXXXXXX XXXX were recorded. He explicitly stated that the route we chose wouldnt require a XXXX visa and that the border agents likely wouldnt check for one. I even asked for clarification about the visa requirements during our conversations. 

Additionally, my husband, who also has a Chase Sapphire Preferred card, filed a dispute for the same issue and was credited without any problems. So why was my claim rejected without a valid explanation? 

In support of our claim, I am providing the following : Proof of our XXXX ride to the port on the day of the cruise. 
Proof of our XXXXXXXX ride from the port after being denied boarding. 
A document showing that we were denied boarding due to visa requirements.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

This started back in XX/XX/XXXX. I didnt know I was being charged because I had a XXXX XXXX  account. I shut that account down and I had to set up for my bills to come out of Wells fargo thats when I notices the double and triple charges. 
These are the emails I sent on XX/XX/XXXX @ XXXX est about this claim. The amount was XXXX this is what I added up. I never said I didn't know the merchant. I was disputing the double and triple charges. Attached are the highlighted charges I was disputing. 
Thank you!
Consumer complaint received 2024-10-02
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (PA)

The time line : I contact XXXX on XX/XX/XXXX and XX/XX/XXXX to pay off my balance and late fee. I ask to pay my balance and the agent tells me XXXX XXXX they have my bank info on file I ask him to pay it off along with the {$15.00} late fee. 

XX/XX/XXXX I check the account again and see a pending balance. I call again to pay and ask the agent they say there was a remaining balance - I pay again. {$23.00} In XX/XX/XXXX I get a surprise mail that tells me of another balance. I call again to tell them I previously called to pay all the balances. ( But it looks like the late fee was accumulated from {$2.00} interest fee as per account history, I realized this today when I was viewing the account history. XXXX usually tells the late fee is related to pay date or remaining balance, none of the agents told me about this {$2.00} interest fee that caused late fees ) I pay off the {$14.00} late fee balance in XXXX and to be done with this, I ask to close my account/credit card. 

XX/XX/XXXX XXXX check my credit card and XXXX XXXX and notice that my score dropped drastically, it was XXXX points the first time I had issue with XXXX and XXXX points as of now cause of the charges that kept occurring after I paid off my balance with a representative and closed my XXXX credit card. The current account balance is {$110.00} which initially occurred after {$2.00} interest fee kept growing and doubling every month since I closed the account. 

XX/XX/XXXX XXXX I speak to XXXX and they promised to dispute all the charges. At this point XXXX cant put all my full trust in XXXX as they failed to fix the problem in my first and second attempt. My XXXX XXXX already dropped by over XXXX points and I dont want this to damage me any further I am submitting this complaint because XXXX XXXX to communicate the details of this credit card when a store agent stopped me while shopping to get me to sign up for a credit card for a discount. And the associates that I called didnt fully address my issues which caused further complications.