davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt correction of a collection account that has been paid in full but continues to be inaccurately reported on my credit report as " payment after charge off/collection. '' Your immediate attention to this matter is required, as the continued presence of this inaccurate information is causing significant harm to my financial well-being. 

The collection account in question is as follows : Creditor : Walmart Account Number : N/A I have paid this collection account in full, and the outstanding debt has been satisfied. Despite the fulfillment of my financial obligation, the account still erroneously appears on my credit report as " payment after charge off/collection, '' which is an inaccurate representation of the account 's status. 

Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of this collection account. Should you fail to substantiate the validity of this account or correct the inaccurate information, I insist that you promptly update the account 's status on my credit report to accurately reflect that it has been paid in full. 

In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of this collection account, you are legally obligated to correct the account 's status on my credit report and notify me of the changes made. 

I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (UT)

Card was paid on XXXX with {$1500.00}. This card has declined from XXXX until XX/XX/year>. When we called Chase they said it takes a while for the payment to be applied. We paid on XXXX and can't use the card even up to XX/XX/year>. That's deceitful. They show payment was made and applied on XXXX but won't take hold off card and can't explain why other than saying it takes a while to be applied when they show it's applied on XXXX.
Consumer complaint received 2024-02-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

Received an American Express XXXX XXXX for {$150.00} from a family member as a gift on XX/XX/2023. I have tried multiple times to use the card for purchases, but each time the payment is declined by American Express. When I call American Express to find out what the problem is, they always acknowledge the gift card amount and say it was probably declined for " security reasons '' but otherwise give no good reason why the payment is being declined. In addition, the retailer has often charged a temporary amount to verify the card which decreases my gift card amount and for which I then have to wait weeks for the amounts to be restored before I can try to use the full amount of the gift card again. This has happened almost a XXXX  times in recent months and to this date I have not yet been able to use a XXXX of the gift card amount due to American Express not honoring the card and paying the retailer.
Consumer complaint received 2024-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I asked PayPal to close my account, which is under the name of my company, and they said that they could not close it because it was blocked. I tried to unblock it, but they told me they could not. I asked who could do it in the company and I was told no one could. I asked then to remove my personal information from the account, and they told me they couldn't because it was blocked. I was able, after complaining, to have them take my bank information out, but that was the only thing I could make them do. All my personal information is there and they refuse to delete it.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

On XX/XX/2018 I requested all three major credit reports through XXXX. I received immediately my report from XXXX  and XXXX and was able to easily dispute and have corrected erroneous information I found on my report. However, as of this date, I have not been able to get a report from Equifax. 1. The security questions that were asked to identify me were not accurate therefore, I was forced to answer all 4 questions as false. Then I called Equifax on the XX/XX/XXXX and was able to prove that I was in fact, XXXX XXXX. I was promised that my report would be mailed. I did not receive it. I called them on the XX/XX/XXXX asking again that they mail a report. I even tried to pay for a report online but 4 more security questions were asked of me that did not apply to me. I was refused the report. I am deeply concerned that the information they are currently reporting is not accurate based on the 8 security questions that they have asked. I am reluctant to mail additional identifying information through the mail because of the many times mail has been lost and delivered to the wrong address. Any help you can give to me to obtain my Equifax report will be greatly appreciated.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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 2024-02-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

i have repeatedly had trouble getting my payment information, documents, and requested information from ally. I have repeatedly had trouble paying through their website. I recently found out they are attempting to sue me despite me attempting to resolve this via phone and email. I was told by ally that they will not be suing me and that I can continue to make monthly payments and set up auto pay on their website. Despite this, I am still shown on ally 's website as no active vehicles. meaning I can not pay my lease payment. again. The due date is tomorrow. Ally will claim I did not make my payment and I am attempting to do so. I can not sest up auto pay because ally has removed my car and lease from their website. I am very concerned about the behavior of this corporation. I was told several times in the past 4 weeks that this was RESOLVED and that I will continue to be able to access my lease online and make monthly payments, yet this is again not true. Ally still shows me as not having any active cars which is not true. They are blocking me from making payments in an attempt to continue to sue me despite me being CURRENT AND UP TO DATE ON MY PAYMENTS
Consumer complaint received 2024-02-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

I sent several emails to National Credit Systems on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I paid the debt to XXXX XXXX XXXX XXXX XXXX. 

I also provided proof of payment to National Credit Systems on XX/XX/XXXX and XX/XX/XXXX via email and they still neglected to complete an investigation. Instead they willfully reported a collection fraudulently to the credit bureaus on XX/XX/XXXX which has caused monetary damages and has affected me being able to obtain a business loan. 

They sent me an email today after I threaten with legal action. Stating they are waiting to hear back from XXXX XXXX. XXXX XXXX cashed the check on XX/XX/XXXX. I have nothing to do with their business arrangement. This clearly violates the FCRA regulations. They should have taken my proof and payments information sent on XX/XX/XXXX, investigated and closed the fraudulent debt collection. Instead they willfully ruined my credit reputation and reported fraudulent that has affected me and my family business affairs and has caused me monetary damages.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (HI)

I have a balance on my old account with Chase that was closed due to inactivity. It could be 10 years ago because I was unaware. The account was connected to my XXXX XXXXXXXX XXXX  account and when I transferred my investments over to XXXX XXXX, I saw a notification of this existing account that requires managing. Since it's inactive, I can no longer access this account. I have no information of the account number and all XXXX XXXX shows is the last four number XXXX. I came to a Chase bank right away to figure how to manage the funds showing which is {$640.00}. Rep said they ca no longer pull up my account because it's over XXXXwo years old. She said, it should be in unclaimed property. It is not. Two more bank visits and 100 calls to their customer service number later, I still don't have answers. They want me to go/talk to to JP Morgan in XXXX XXXX XXXX They take down my number at the bank but no one has called. I haven't been provided with a dept who can help me. I get bounced around and get transferred to XXXXXXXX XXXX call center regardless of what number I call. I have to repeat myself again and again and again without no resolution. I had to explain that they can't pull up my account and the only info I have is the last four numbers of the Checking account. They insist on getting my Social Security # each time and now I'm afraid my SS will get compromised. Please let me know if there's any other information I can provide to expedite a contact with them. Thank you.
Consumer complaint received 2022-12-04
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: EQUIFAX, INC. (IN)

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

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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-07-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2024 I was involuntarily denied boarding to a flight operated by XXXX. According to the department of transportation 's regulations, I am entitled to a refund when I am involuntarily denied boarding or the flight is delayed more than XXXX hours. I uploaded an email proving that the new flight I was scheduled on was delayed by more than XXXX hours. I requested a refund from XXXX and was denied. I then disputed the charge with Bank of America, and was denied. 
XXXX admitted fault, but refunded points to the wrong flight.
Consumer complaint received 2024-01-26
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. (RI)

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 2024-02-10
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)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I paid my mortgage on the portal on XX/XX/XXXX and received a confirmation that it was received by Lakeview Loancare on XX/XX/XXXX. On XX/XX/XXXX they called me saying they did not receive a payment, though I had confirmation that they received. I then paid again over the phone with an operator and they told me it was successfully processed. Then yet again on XX/XX/XXXX I received a notice saying the payment had been received. By XX/XX/XXXX the payment had not been received or drafted from my bank account. I provided bank statements and acting banking activity for two months showing that the money was in the account the entire time and had been been drafted nor was a hold placed on the account for the funds. I had to mail them a physical check for two months worth of Mortage for them to finally process the mortgage payment for the months of XX/XX/XXXX and XX/XX/XXXX. I attempted multiple times to file a complaint and submit my documents through lakeview loan cares online portal and was not allowed to do so, as it was not allowing me to submit the documents though all information they requested was provided in the correct order. I called customer service everyday from XX/XX/XXXX to XX/XX/XXXX and was given multiple excuses as to why the payment wasnt processed. They claimed it was my banking information but we confirmed through their customer service representative that the information they had was correct. They then proceeded to tell me that it was my banks fault and they didnt release the funds, though again the bank statement and activity showed the money was there the entire time. They are now trying to charge me late fees and they may have reported me as late on my credit
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (NY)

I received a letter from AllianceOne collections saying I owe for a traffic ticket from 2011 saying they purchased the debt from XXXX XXXX traffic violation bureau when I go to the XXXX XXXX website and type in my licence # and date of birth it says I don't owe anything. AllianceOne is threatening to report me to credit bureaus and ruin my credit please help
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (DC)

In accordance with the Fair credit reporting act, this creditor has violated my rights : Under 15 USC 1681 Section 602 states : I have the right to privacy.

Under 15 USC 1681 Section 604A section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as Late for any purpose.
Consumer complaint received 2024-02-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Chrysalis Holdings LLC (FL)

I called them to try to straighten out my escrow account and after being transferred XXXX times to no avail. I mistakenly, said the word XXXX. they hung up on me for swearing, which violated my first amendment rights and it has gone downhill from there. They have showed me nothing but incompetence in handling my escrow account. I need some help dealing with these people due to the fact, I think I am dealing with a DEI situation, and I will not tolerate that. I am a XXXX veteran with an XXXX beacon score and will not have my first amendment rights violated by anyone. 
I have owned XXXX homes and this is only my second escrow account and I do not feel I should send anyone additional monies that does not have the ability to distribute them correctly. please assist me with this situation before it gets out of hand.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

Car loan payment was issued to come out of my checking account 5 days after the dude date and a week after it was already paid for. ( paid a week ahead! ) I called in to find out why this was and they refuse to provide this information stating I was not who I was without and sufficient evidence as to why that was. This is the second time Ive had an issue with this loan department and the credit union in general. They continue to make errors that requires time and money spent on my behalf to resolve. Unacceptable and the worst banking/ credit union Ive dealt with.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-10
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. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXXBalance : {$550.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.