davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc. (GA)

I have a {$300.00} refund pending with them for almost a month They send me in a circle of blame. I submitted proof to them that it was on them that the vendor that issued the refund had paid the money and it got me nowhere. Nothing is getting me anywhere and I need my money desperately I am a single father and without Food.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Avant Holding Company, Inc. (VT)

Like all credit cards I assumed after 30 days you are charged interest. Apparently this company charges interest daily. So almost 30 % every day. I have never Hurd of such a thing canceled my card immediately had it maybe a week. I don't remember the amount that I put on it but it was well bellow 1,000 and now it's well above. As soon as I Hurd of that I canceled it immediately. I also believe it is morally wrongXXXX XXXX XXXX XXXX out of XXXXXXXX XXXX. Is a company I've told everyone about as well as the interest fee. Nobody I have talked to never Hurd of such a thing.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC (OH)

I just received a letter from XXXX XXXX to collect in a XXXX  account {$XXXX}. I have disputed this account with XXXX  XXXX  times and they never resolved the fraud issue!!!! 

My card was stolen and used around XXXX time last year. The balance is not mine is a result of fraud!!! 

I filed XXXX fraud claims with XXXX! They never supported or provided the results of their investigation, rather sent me bills!!!! They then sold the account to a collector.
Consumer complaint received 2024-08-21
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: JPMORGAN CHASE & CO. (OH)

I was told by a representative at the bank that I would receive paperwork in the mail related to the fraudulent application. Additionally, JP Morgan Chase Bank did update my credit report, but they put an update status of " account paid '' which has nothing to do with inquiry. I need the inquiries that were made to my credit profiles removed. From JP Morgan 's response to the credit reporting agencies it appears they miscommunicated and communicated that an account had been paid in full rather than asking them to remove inquiries. I can supply pictures of this if needed. 

These inquiries were made from a fraudulent application that was submitted on XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Experian Information Solutions Inc. (MA)

I was signed up without my knowledge for an Experian digital checking account. They REQUIRE you call in to cancel instead of allowing an online cancellation and request personal information I don't want to provide for my security over the phone. I don't want to be sold anything else and just want my account closed.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Denied, decision was based in whole or in part on information obtained from the consumer reporting agency XXXX, Your deposit account score of XXXX used by us in taking the above action, My bank accounts were never on high risk, and they were opened and never been closed, and I had little inquiries during the last year.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (CA)

The Company stated that there would only be a soft pull on My File, when I noticed it was a hard pull? I disputed and requested them to remove and they refused to remove. I am working to buy a House and get XXXX XXXX XXXX XXXX XXXX this is hurting both Home Purchase and XXXX XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc (MI)

I have tried to use their " Pay-In-4 '' option over the last two months. They have denied me. The reason they've given are outdated and don't apply to myself as now I use my bank account as the primary funding source. The systems are metric they use are discriminatory in nature based on the information they use. Any time a banking error has occurred, it was rectified immediately and payment was made.
Consumer complaint received 2023-08-09
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)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

I was charged {$280.00} on my Citibank XXXX card for a charged made in XXXXXXXX XXXX, a placed I have never been to in my life. I live in XXXXXXXX XXXX Citibank has sent me a letter stating that they will not be refunding the charge because the person who made the charges had my XXXX pin, which upon the bank asking me if I have given this information out, I answered no. I am on my XXXX open case and ( they sent me back the XXXX XXXXXXXX, declining any refund ) they still have not refunded the money. The transaction was done on XX/XX/year>.
Consumer complaint received 2024-08-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MI)

Sallie Mae is not willing to work with my situation and offer me a payment that is suitable. Secondly, their account notices are incorrect. At the beginning of the month ( XX/XX/year> ) my dashboard inside sallie made told me I had until XXXX until I went into the separation / grace period and would start making payment. Then a few days later, sallie Mae actually informed me the payment are starting in less then 30 days. Overall Ive called several times asking if theres a way for us to work with each other & get my payment to a reasonable amount each month. The college hasnt even given me my degree yet because ceremony doesnt happen until this winter. So, I have no degree yet ( I finished the schooling and earned it, it just has yet to be disbursed ) but Im still expected to make full payments when I havent even got my degree or employment in my job force. Overall Sallie Mae is very unwilling to accommodate their lenders that have been loyal. At the very least, I would expect them to look at our income and make our payments based off that. Currently Sallie Mae wants me paying nearly {$400.00} a month to repay these loans, and then in XXXX it will increase to nearly {$700.00}. Thats totally not doable for me especially being I havent even got my degree to get my job!
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CT)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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. (LA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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. (PA)

Inquiry for XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/2024. These were not authorized by me. Please remove. 

I applied for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Transunion which left me with two hard inquiries on my credit report for one credit card app. I called to have this issue corrected and I was told I needed to dispute it with the credit bureaus. This has been frustrating to say the least because the credit bureaus has not been helpful either. I am asking for this to be corrected ASAP.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have attempted to contact the company about the incorrect information on my credit profile however, the company has failed to correct the information. The personal information to include my name, address, and employer on my profile is incorrect. The only personal information that should be on my profile are as follows Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX Employer : XXXX XXXX XXXX No other names addresses or employers should be listed on my account.

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 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 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.

Should this information continue to be in place on my account, I will have no further action but to take legal action against the company.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (IN)

On Tuesday XX/XX/year> l got a email stating Amazon closed my account after they have illegally humiliated my company for the past year almost. They were always canceling my orders, not doing what they told me they would be pertaining to my account and the pay by invoice option I was promised via chat many times. 

I had a pending XXXX XXXX XXXXXXXX XXXX XXXX XXXX  pending but l am now sure that this is one of the reasons why I was denied since my credit was high enough. My business has spent a lot here and it's been one thing after another. I was supposed to be receiving my invite for my pay by invoice invitation email finally sent that night as promised then got the email randomly about my business account.

I have all the proof and screenshots from the Amazon reps of this. My account was closed for no reason. This will get fixed one way or another. I have been dealing with this for months. 

reference number for that Amazon XXXX XXXX XXXX XXXX was : XXXX I will be sending proof of the promises and how much money l 've spent with my business there at XXXX. I just want my business account back reopened with XXXX. And to be compensated for this pain and suffering Ive had to endure as the owner of my company. 

Amazon business email : XXXX XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc. (NJ)

I am writing to file a formal complaint and dispute regarding a collection account reported by Atlantic Capital Bank , National Association, with NMLS ID : XXXX, related to account number XXXX. 

I dispute owing any debt to this company and request the immediate removal of this account from my credit report. Additionally, I revoke any and all permissions for Atlantic Capital Bank to contact me through any means, including phone calls, text messages, emails, or any other form of communication. Any further communication in violation of this request will be considered a breach of 15 U.S.C. 1692k, and I will pursue appropriate legal action.

Violations of My Consumer Rights : 12 CFR 1006.34 ( b ) ( 5 ) : Atlantic Capital Bank has not provided the required validation information for the alleged debt but has nonetheless placed a collection account on my consumer report. This is a clear violation of the law.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute this account before it was reported, which is a violation of my rights.

False, Misleading, and Deceptive Practices : Atlantic Capital Bank is using false, misleading, and deceptive practices in their collection efforts, which violates my consumer rights.

12 CFR 1006.34 ( d ) & 15 USC 1681-S2 ( 7 ) ( A ) : Atlantic Capital Bank has no authority to furnish any account to consumer reporting agencies without providing all legally required disclosures. Their failure to do so is a violation of these regulations.

In addition to these violations, I request the following : Debt Validation : Full validation of the alleged debt, including the original signed contract with the original creditor.

Purchase Agreement : The purchase agreement between Atlantic Capital Bank and the original creditor.

Proof of Licensing and Bonding : Proof that Atlantic Capital Bank is licensed and bonded to collect debts in the state of Georgia.

I demand that this account be removed from my credit report immediately and that Atlantic Capital Bank cease any further collection attempts. Failure to comply with these requests will result in further legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
DISCOVER BANK XXXX
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am writing this letter to capital one who recently closed my credit account without providing any prior notice or a valid reason for the closure. This caused undue inconvenience and has impacted my credit score immensely. I created this account on the date of XX/XX/XXXX and have been a loyal customer to capital one. I received a notification from the app on XX/XX/XXXX saying my account was restricted. I contacted customer service numerous times from the date of closure up till now im writing this complaint and no answer on why I got the account closed. I am concerned about the negative impact this account closure has brought on my credit report and that fact that my account was closed for no reason.
Consumer complaint received 2024-08-22
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: Paypal Holdings, Inc (NY)

On XX/XX/XXXX, I paid {$220.00} for a car rental reservation through XXXX using my XXXX card. The purchase was made via PayPal. The car rental was for a trip to XXXX XXXX XX/XX/XXXX - XX/XX/XXXX. 
On XX/XX/XXXX, I called XXXX to cancel the reservation because I was no longer able to make that trip. XXXX refused to reimburse me saying that the reservation is non refundable. So, I contacted PayPal who investigated the matter. On XX/XX/XXXX, PayPal denied my case. I protested the decision and they told me that they would follow-up. Weeks later, after no response, I called them and they said that they can't help me. 

I think that it is unconscionable that I must pay for a car rental that I never used. Neither XXXX nor the rental company have suffered any loss or harm by my cancelation XXXX months early. 

Reservation # : XXXX
Consumer complaint received 2024-07-19
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.