davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (TX)

LVNV funding LLC are trying to sue me in the State of Texas for a debt that they purchased from the original debt company. LVNV has also inserted the debt on my credit report with all three credit reporting agencies without written consent. I have not signed any contracts with this debt collection agency, and therefore demand that these items be removed from my credit report from all three reporting agencies until legal proceedings are over. Thank you for your attention to this detail.
Consumer complaint received 2024-05-14
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. (NY)

I'm sending this complaint to inform the credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00}
Consumer complaint received 2024-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (GA)

Only made charges/draws on this account from XX/XX/XXXX- XX/XX/XXXX and the highest balance ever on this account was {$11000.00} in XX/XX/XXXX per all the statements provided. XXXX charges/draws ever from XX/XX/XXXX - XX/XX/XXXX or to present ( XX/XX/XXXX ). I made a full balance payment of {$11000.00} on XX/XX/XXXX. After I made the full statement balance payment the company added {$1600.00} in charges dating back to XXXX for charges never made : XX/XX/XXXX - XX/XX/XXXX {$61.00}, XX/XX/XXXX - XX/XX/XXXX {$35.00}, XX/XX/XXXX - XX/XX/XXXX {$91.00}, XX/XX/XXXX - XX/XX/XXXX {$50.00}, XX/XX/XXXX - XX/XX/XXXX {$420.00} XX/XX/XXXX - XX/XX/XXXX {$960.00}. Additionally, the company requested an immediate payment due of {$520.00} and cited it as being past due. After requesting from the company where these charges originated from, the company cited new interest charges and would not provide any additional information. I unsuccessfully tried to obtain more clarification concerning these charges and the company begin to start charging interest on top of the interest ( which I believe to be illegal if no principal balance exists ) and would not lower the month payment in order to give me time to figure out where the charges originated from. Eventually I ended up paying over $ XXXX more to them from XX/XX/XXXX- XX/XX/XXXX. This company went as low as processing it as a charge off for {$710.00} even after I paid them over {$750.00}. This company is illegally adding additional charges to consumers accounts, adding interest on interest balances, demanding payment and erroneously reporting false credit information on fraudulent add on charges.
Consumer complaint received 2023-06-19
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: Bread Financial Holdings, Inc. (CA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX ) and update the account to positive.
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

I attempted to pay my 10 student loans totaling {$360.00}, and they sent an email confirmation saying the payment was received. My loans were reversed and my loans remained delinquent. I have made multiple attempts to pay my loans and they reverse some but not all of my loans. My checking account balance has sufficient funds but they do not accept my full payment and this keeps my loans delinquent. They have not responded to me via email.
Consumer complaint received 2024-08-26
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. (VA)

Made a hotel reservation on XX/XX/XXXX XXXX XXXX XXXX XXXX online. The receipt that was emailed said Guest Reservations not XXXX XXXX. I called and they said I just made a non refundable XXXXXXXX XXXX XXXX  The amount billed was {$270.00} more as. Recovery fee that wasnt disclosed. Called Customer Services immediately and spoke w XXXX who gave me a cancellation number. Called XXXX XXXX XXXX XXXX XXXX who asked me to XXXX XXXX cancellation code from XXXX. Then The hotel made a new reservation for me which was legitimate and they cancelled the XXXX Reservation. I called on XX/XX/XXXX my new Chase Bank credit card to dispute the fraud charge and they put a credit on my account. They asked for more details which I mailed better and then faxed to a Chase Bank dispute center. Chase Dispute Center determined it was a valid charge without providing any evidence to me. They rebilled my credit card for the {$1000.00} on XX/XX/XXXX. I called the XXXX phone number for XXXX posted on my Chase credit card statement. The no name company put me thru to a representative who informed me that Guest Reservations Escalation team had identified the transaction as fraud on XX/XX/XXXX or XXXX. I asked why it was posted to my account. Told them I wanted a refund and they agreed to give me one. XXXX at Guest Reservations the XXXX XXXX XXXX XXXX spoke to me today to confirm they have tried to my Chase card account since XX/XX/XXXX but Chase Bank XXXX has refused to accept the refund. Please help me get my refund and make sure this never happens to other Chase and XXXX customers in the future. XXXX XXXX XXXX  XXXX XX/XX/XXXX article states that Chase Bank has not authorized refunds to customers claiming fraud and they do not have a transparent dispute resolution process evaluated by an independent third party. This has been my experience as well.
Consumer complaint received 2024-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

These inquiries were unauthorized and i am a victim of identity theft. CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE NA XXXX CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

I sent in a check for a large sum of money ( thousands of dollars ) to pay off my card. Jet Blue cashed it but didnt apply it to my account. I have called them every day and they cant find the check even though I sent them a copy of the returned cashed check. They give me a different story every time I call. I have emailed the given email for resolutions but the emails go unanswered. I just want them to credit my account I have proof they cashed the check!! I sent it to them.
Consumer complaint received 2024-05-14
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. (GA)

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

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

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 2021-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I have been using cash app for years with no problems. When I logged onto my acnt yesterday I had {$1400.00} in there which is normal. I thought I was missing some transactions so I called Tech support. By the time I was done 4 hours later all my money was gone plus an additional {$490.00} from my linked XXXX XXXX acnt. I have tried everything and money is no where to be found. I spoke to XXXX at XXXX ext XXXX
Consumer complaint received 2024-07-02
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. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc. (NY)

XXXX - Skrill app was not accessible. Said account restricted and to contact us. No email. 
XXXX - phone call # 1. Skrill rep indicated routine security check led to restriction, nothing I did caused it. I would hear from them in 24-72 hours. 
XXXX - phone call # 2. over 72 hours later, account still restricted and still no explanation. Skrill rep indicated it was now escalated. 
XX/XX/year> - phone call # 3. Skrill rep said still under review, and due to large volume of accounts under security restriction, no eta. Try again in 24 hours they said. 

So in summary, 7 days have passed, and I havent been provided an explanation on whats happening with the restricted account. I have over $ XXXX balance that I cant access, and havent been provided an explanation or steps towards resolving whatever issue there might be
Consumer complaint received 2024-05-14
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)

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX CRE XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (GA)

This account is from National Credit System a company when I called does not have and record of my name or social security number. No account is was removed from my credit. Now XXXX have resubmitted the account on my credit report and another account I have no knowledge of. 
National Credit System XXXX XXXX XXXX, {$12000.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
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. (VA)

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 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 2024-06-01
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (IN)

My billing statements are sent through the mail. They are late each time. But this particular one wasn't sent til the XXXX and my payment is due on the XXXX. But on top of that I wasn't aware they put on XXXX worth of interest but maybe if they would have sent it on the right due date instead of being sneaking this would have been avoided. Also the guy I spoke to sounded like a drunk slop at his desk. I'm not even exaggerating when I say that.
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK ()

Discover has been denying my payments due to an error on their end. 
My payments have been rejected by Discover since XX/XX/2023. I became aware of this issue in XX/XX/2023. Tried to fix by sending another check that was rejected once again by Discover in XX/XX/2023. 

Because Discover is rejecting my payments, they have put my account in delinquency, charged me with late fees, and lowered my credit score. 

I've had a similar issue with Discover a couple years ago, I did not receive any response until filing a complaint through CFPB. 



XX/XX/2023. I tried to find a resolution multiple times before submitting this complaint. Discover still claims to be unable to assist and has offered no resolutions. 
XXXX - Called discover, Agent could not help. Agent forwarded me to another department ( which was closed ) XXXX - Called back trying to resolve, agent forwarded me to supervisor XXXX - supervisor says to call the other bank ( XXXX  ). I ask her to hold as I call my other bank. Discover agent disconnects the call. 
XXXX - I confirmed with XXXX. No charges from Discover were attempted or made. recorded the conversation ( recorded ) XXXX - called back Discover. XXXX located in Delaware XXXX EST was unable to help. Said to call back tuesday.
Consumer complaint received 2024-05-14
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. (CO)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX OF XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-05-14
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. (IL)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-05-14
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. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.