davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Credit card — Store credit 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 (IL)

On XX/XX/XXXX, I was charged for several items from XXXX that I never received but paid for through PayPal merchants. I informed the seller, XXXX, that I did not receive the items to which they never responded to my complaint ( s ). I reached out to PayPal to open up a billing dispute. My dispute was closed shortly after it was opened as PayPal was requesting me to make a police report to which I did not feel comfortable doing, I reopened the case on or around the XXXX of XXXX, and PayPal requested that I submit a complaint to the internet crime bureauXXXX which this complaint did not fall under, report it to the consumer protection bureau for my state or make a police report. On XX/XX/XXXX, I reported this incident to the Attorney General 's Consumer Division office and provided screenshots of said report to PayPal. On or Around XX/XX/XXXX, PayPal closed my billing dispute because I did not provide the requested documentation previously provided the previous month. I am reporting PayPal for inadequately investigating my dispute, and frivolously closing it on the basis on a lack of documentation which is not true. Additionally, I am reporting PayPal as I had provided evidence of the tracking information, and messages to the sellers from XXXX supporting my claim of missing merchandise.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-31
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)

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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Due to continued and ongoing fraud perpetrated by XXXX, I recently had need to file several dispute and fraud cases with Capital One. On XX/XX/year>, I was made aware that these cases appeared to have been entered incorrectly. I faxed Capital One two letters requesting that all fraud cases be changed to disputes, with specific attention given to the retailer XXXX. Both are attached. However, XXXX started using it as an excuse not to issue refunds for those transactions the same day. I have yet to receive any confirmation from Capital One of receipt of this fax, and my account currently as of today, XX/XX/year>, shows no active disputes. I last spoke to two Capital One representatives on XX/XX/year>. During these calls which I recorded, the first representative informed me none of the current fraud cases have been converted to Disputes, and the second attempted to tell me that disputes can only be filed on the phone ( Which is clearly not true ). This was with regards to a different credit card account. No mention was ever made of my original above referenced request. Yet, for two weeks, XXXX has been using my disputing those charges, that they became aware of the same day I sent the fax, as an excuse not to issue refunds until I mentioned that 1 ) Many retailers appear to be waiting until I file a dispute to issue refunds 2 ) If they were to issue the refund before Capital One got around to processing my request and 3 ) Inquired how they became aware of disputes my bank has not yet acknowledged. XXXX has not yet responded but did manage to issue a refund for one of the disputed charges since then. I have attached the referenced correspondence along with a previous complaint I have made with regards to XXXX XXXX  There would appear to be a pattern developing wherein my financial institutions or employees thereof are participating in a scheme to help defraud me. Previously, Capital One had requested information with regards to two purchases made approximately 8 months ago. I showed these to XXXX XXXX  as they were the first financial institution to ever attempt to tell me a charge was too old to dispute. I after providing the information, I received two letters informing me in a somewhat rude manner that the charges were two old. When I called to inquire, I was again told a lie, that Master Card has a strict 60 day policy, and that they did do research while waiting for my additional information on the disputes they knew they would eventually deny due to this 60 day policy. I have since appealed their decision in writing and believe they may have reversed it, simply not retracted the provisional credit. I cant really be sure.
Consumer complaint received 2024-05-31
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. (GA)

I was a victim of identity theft Again and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have transferred {$30000.00} by secured ACH from Bank of America ( BOA ) checking account to my savings account at XXXX XXXX as I fetch more interest. This is a secured transfer with verification code sent to my mobile. Also, confirmed the transfer by me 'Yes '' for BOA text message. No error occurred and got email confirming I initiated XXXX. However, the transaction was canceled by Fraud detection department, informed me via email and text message and my account was locked. Called them at XXXXXXXX XXXX  on XX/XX/year> and the agent verified the info. unlocked the account and said it will go through. But, got email at XXXX XXXX that it is declined. Emailed them and Called them multiple times and call used to get disconected. At XXXX XXXX  on XX/XX/year>, was on phone with service rep for XXXX minutes and wire transfer entered while verifying the info by service rep and promised that it will go through. I have recorded the conversation with customer service representative multiple times. Every time they say " now we verified and it will go through successfully ''. But I do not see the ACH tranasctions on line except the initial one that has been canceled. It appears to me that they are doing on purpose. I am on my Social Security and loosing the interest on my money. This is gross negligence on the part of BOA. I request you not just resolving the issue but it should be fined so that it will not occur to any citizen XXXX XXXX XXXX XXXX XXXX I am ready to provide any documents including recorded conversations to CFPB. I also informed that it will be reported to Authorities including FTC. The customer service reps also refused to connect me to their Manager when requested. Also, asked if there is any other 3rd party intervening in this ACH transfer to not happen and says " No ''.
Consumer complaint received 2024-06-06
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: EQUIFAX, INC. (TX)

I would like to follow up regarding the persistent inaccuracies on my credit report, specifically a late open account, despite many attempts to address and rectify this issue. I am seeking your immediate assistance to expedite the correction of this late open account to prevent further adverse effects on my credit history. Despite submitting disputes, the late open account on my credit report persists, causing significant stress and negatively impacting my creditworthiness. I have attached supporting documentation, including payment receipts, account statements, and any other relevant evidence, to substantiate my claim and facilitate a swift resolution. Recognizing the importance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the correction of this late open account I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure the swift correction of this late open account on my credit report. Timely resolution is crucial, as this situation directly affects my ability to make informed financial decisions. I am asking for your assistance to correct this late open account in my credit file : XXXX  XXXX XXXX Balance Owed : {$450.00}.
Consumer complaint received 2023-07-25
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. (SC)

I HAVE ATTEMPTED TO BUY MY FIRST HOME AND I HVAE BEEN DENIED FOR MY APPROVAL DUE TO CERTAIN INQUIRIES/ DAMAGES ON MY REPORT. ACOORDING TO HJR 192 All Public Debt is an obligation of the United States and not the Citizens. And According to the FCRA or Fair Credit Reporting Agency it is against the law for these credit reporting agencies to report anything without my authorization or consent on my report. 
ALSO IN 15 U.S.C 1681 there should not be any damages on MY Report it is A Defamation of character., therefore these items need to be Removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL unauthorized and unverified accounts.
Consumer complaint received 2024-05-30
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)

I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-31
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Medical Data Systems, Inc. (DE)

Hello, I recently reviewed a copy of my credit report and was in awed that I have been a victim of identity theft. I have found numerous accounts on my credit report that we not opened by me. This has been hurting me in the process of buying my forever home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you.
Consumer complaint received 2024-05-31
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)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-30
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. (PA)

In my credit report, I found some unrecognizable accounts. As a result of not knowing about the existence of the accounts listed below, they need to be removed. I have been a victim of identity theft. All the accounts listed in this letter are unfamiliar to me. The Federal Trade Commission has been notified of the theft of my identity, and I have received copies of the Identity Theft Affidavit from the Federal Trade Commission. In this letter, I respectfully request that the items listed be removed. I appreciate your team 's assistance in advance.
Consumer complaint received 2024-05-31
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

I can't log in without a 2 step verification I did not sign up for a 2 step yet they are making me do this 2 step.

I currently have a complaint against them which is open.

I want to add to it but I don't know how, I just now tried to log in but couldn't because of the 2 step. 
Here is my case # which is open XXXX Please add this additional complaint to the open case. 
Thank you
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-28
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: Experian Information Solutions Inc. (IA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX  XXXX is showing incorrect account in my profile they are reporting ( 3 ) Car loans to my name when there is only one,  they are reporting a balance of {$8600.00} when the balance is {$7000.00}, XXXX XXXX XXXX XXXX XXXX was buy by XXXX XXXX and the same loan appears three times with three different balances, I have contacted XXXX XXXX and even made a complaint with consumer finance ( you ) and this still appears same account, same opening date wrong balance, XXXX  dont answer, the tools they offer to communicate dont work. My credit card are 0/0/0 well paid and they keep lowering my score all months.
Consumer complaint received 2024-05-31
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. (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 : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

There are addresses and personal information on my credit that is not mine! This is a very serious issue and I have reached to all three credit bureaus and have had no success I am very worried about this misinformation showing on my credit report
Consumer complaint received 2024-05-30
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 FCRA this creditor XXXX XXXX  XXXX XXXX XXXX have violated my rights under : 15 USC 1681 Section 602 which states that I have the right to privacy, furthermore 15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Lastly under 15 USC 1666b a creditor may not treat a payment on a credit account on an open-ended consumer credit plan as late
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: AppFolio, Inc. (NC)

I paid that bill online through AppFolio using my XXXX XXXX XXXX  checking account XXXX which is currently open and has been for 15+ years. I have no other banking instituition. 

I made the payment to XXXX XXXX XXXX for my water bill in the amount of {$16.00} on XX/XX/XXXX. I received a notice from the apartment office stating payment was returned because " account closed ''. I was charged a {$35.00} fee for non-sufficient funds. 

My checking account has never been closed ; I also confirmed with XXXXXXXX XXXX. 

I lived in an apartment complex in XXXX NC in XXXX which also managed their payment through AppFolio... that account is non-active. 
When I go to Appfolio to log in, it still shows I have two accounts available XXXX XXXX XXXXXXXX  ( old ) and XXXX XXXX ( current ) I'm wondering if {$16.00} payment was processed incorrectly and applied to the closed AppFolio account? 

I have emailed Appfolio numerous times with no repsonse.