davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On my Equifax report there is two late payments from XXXX XXXX XXXX XXXX showing up..I have never missed a car payment and believe there was some confusion when my insurance and Gap insurance paid off my car..I spoke to the bank about this issue and was told to contact Equifax about fixing the problem..
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am a retired XXXX veteran who was XXXX in 2009 and had to file for bankruptcy protection against the ex-wife as a result. Bank of America is using bankruptcy information from 15 years ago against me and continues to deny me credit. It is my understanding that bankruptcy information can only be used to make credit decisions for seven years.
Consumer complaint received 2023-12-27
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

i bought a XXXX $ american express gift card today, and when i tried to login to check my balance or whatever it wouldnt even let me. Said something about unknown error and try again later so i did i tried again later maybe like 20 minutes and it still didnt work. I tried to purchase online that costed XXXX $ and it didnt work. I retried again after like 40 minutes or so and still didnt work nor did the login work. I then called the number on the back of the card but no one was answering and i wasnt gon na wait all night so i hung up. PLEASE Help. i found this website bc of someone on XXXX and they said US CFPB came throught so im really hoping you guys can helppp.
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (NY)

When I reviewed my credit report again, I discovered that some of the account was still erroneous. The XXXX credit bureaus must validate these accounts in order for me to establish a good record. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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
Consumer complaint received 2023-12-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

Called the company about a collection debt on my XXXX XXXX  I asked them to give me more information about it because I already have a active account with them with no issues and how do I got an account with a collection on my XXXX XXXX they werent able to locate the one I was talking about which I got nothing solved. They said they will send me a email which I didnt receive about a fraud package.
Consumer complaint received 2023-09-26
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. (DE)

XXXX willfully fail to comply with FCRA .I would like to know how did you verify the information XXXX did not do an accurate investigation in providing the factual details to my dispute. Iam distressed that you have included these accounts with inaccurate information for all the accounts listed I would respectfully request you to provide proof of the alleged items specifically the contracts bearing my signature and address. If you can not provide the contracts the items must be deleted asap .these are the following accounts 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 XXXXXXXX If you continue to violate the FCRA laws you will be held liable for actual damages and attorney fees. The address on the contracts must reflect all the address you publish on my r credit report
Consumer complaint received 2023-12-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

Hello, I have a {$50.00} American Express gift card that keeps getting declined in store and online. The card says its activated and that it has a {$50.00} balance. The items Im trying to purchase are way below the {$50.00} price.
Consumer complaint received 2023-07-31
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. (AR)

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX.
Consumer complaint received 2022-12-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

XX/XX/XXXX I received no benefit from this " transaction '' that shouldn't have been on my consumer report for I was never disclosed my right to opt out for anything to be reported per ( FCRA ) 15 USC 1681A ) ( D ) ( 2 ) ( Exclusions ) " " containing information solely as to transactions or experiences between the consumer and the person making the report. So, why does it reman on my consumer report Seems there is another violation to the Privacy Act of 1974 that I would in good faith notice these to be used to cause me damage and dis- ease for I thank you for your compliance with Federal Law and state all my rights reserved..
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Certegy Holdings, LLC (LA)

This company is reporting my uncles information to my XXXX XXXX  report. For illustration purposes I have provided my uncles drivers license. I have full permission and authorization to have my uncles license. He provided it to me to send to you guys. I have been a XXXX  resident for years. The license you have connected to me XXXX XXXX report is my uncles. I have never written a check at XXXX. There are no XXXX in XXXX
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (GA)

Account number : XXXX ( XXXX ) Date opened : XXXX, XXXX, 2022 Last payment date : XXXX, XXXX, 2022 No payment was late on this account. I have tried to get it updated multiple times, but the company XXXX, or the credit companies will not do anything. I have tried to dispute this multiple times and even sent a letter in the mail. No response.

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.
Consumer complaint received 2024-04-14
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: EQUIFAX, INC. (MD)

To Whom It May Concern : Upon reviewing my credit report, I have identified several accounts that appear inaccurately listed. I hereby request the removal of the specified accounts from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inclusion of these account ( s ) constitutes violations of 15 USC 1681a, also known as The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ], which outlines exclusions from the definition of a " consumer report. '' Specifically, it states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Allow me to elaborate. According to the Truth in Lending Act 15 USC 1602 ( g ), the term credit card is defined as follows : " The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' This definition encompasses my social security card, drivers license/ID, and license plate, all of which have been used as credit cards for the extension of credit. Therefore, I insist that this account be removed from my consumer report. 


Best regards, XXXX XXXX
Consumer complaint received 2023-12-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Upgrade, Inc. (DE)

I am writing to file a complaint against Upgrade Financial and XXXX XXXX XXXX for changes to my existing Upgrade Card Loan. Based on an internal review, they have decided to disallow additional draws under my existing loan, citing the reason as " No FICO Score ''. This decision was made without any prior notice or discussion with me. 

While they have mentioned that a new Upgrade Card Loan may be available to me at a different APR, this does not address the issue at hand. I have been a responsible borrower and have maintained a good credit history. The sudden change in my loan terms and the reason cited for it are both concerning and confusing. 

Their common practice needs to be exposed to other consumers.
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Dave Operating, LLC (FL)

I had {$500.00} in my XXXX XXXX  balance and I instantly deposited it from XXXX XXXX to Dave banking on XX/XX/XXXX and the money never reached me. Ive been trying every single day to try to locate these funds with both companies and XXXX is saying it was successful and my bank is saying they declined the funds from coming in.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX, I made a {$3500.00} payment on my American Express XXXX XXXX credit card. I checked my credit card statement over the period of several weeks, and realized that the payment had not been deducted from my bill. I telephoned the holder of my Amex card ( apparently XXXX XXXX ) and was told that they did not receive my payment. I telephoned XXXX XXXX XXXX XXXX ( my bank ) and was told that the funds had been disbursed to Amex ( XXXX XXXX ). I contacted Amex several more times and was told that they had not receive the payment. Again, I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and was told that Amex did received the payment. I told the XXXX Representative that Amex denied receiving the payment and requested that the funds be returned to my account and XXXX did so. Afterwards, Amex told XXXX that I authorized the payment and on XXXX, the {$3500.00} was deducted from my XXXX account, but to date does not show as a payment on my Amex card. I contacted Amex again and was told that they had not received the funds and that the matter would be under review until XX/XX/ XXXX I had a conference call with XXXX and XXXX XXXX ( the holder of the card ) and they still deny receiving my payment ; but refused to allow XXXX to return the funds to my account. I am being charged interest on a payment that Ive made several months ago. They told me that the funds were not received, but told XXXX that I authorized the payment. They can not have it both ways. I want them to deduct the payment from my account and remove any interest since the date that XXXX dispersed the payment. Thank you for any assistance that you may provide. Very Respectfully, XXXX XXXX XXXX.
Consumer complaint received 2017-11-05
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: Experian Information Solutions Inc. (OH)

On or around XX/XX/XXXX I was reviewing my credit report and I seen several errors on my report. My XXXX XXXX Discharged was final on XX/XX/XXXX. There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy XXXX # 2:17-BK-51306 3. XXXX XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.XXXX
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

These disputes have been escalated several times, and I have provided extensive documentation to support my claims. However, despite my efforts and the escalation of these matters, the inaccurate late payment accounts persist on my credit reports. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I am concerned that despite my continued efforts to resolve these issues, the inaccuracies in reporting have not been rectified. I question why your bureau has not conducted a thorough investigation into the validity of the late payment accounts and failed to provide accurate information on my credit reports. The lack of resolution suggests a deficiency in your investigative processes. 
BANK OF AMERICA XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct reasonable investigations into disputed information. I am troubled by the apparent failure of your bureau to fulfill this obligation, resulting in the continued reporting of inaccurate information.
Consumer complaint received 2017-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NC)

I noticed the money owed to my Discover card was not going down, plus I had not used this card in several years. I called them and they told me I was being charged the highest interest rate because all I owed them was from cash advances. I told them less than half what I owed was cash advances but they told me I was wrong. I asked them to check my records and see. They told me they could only go back 18 months and since I had not used the card in the last 18 months they could n't check back. They told me they could suspend the card for one year and charge the lower rate for that period of time. That year is about up.
Consumer complaint received 2024-02-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to you in accordance with the provisions outlined in the Consumer Law, specifically 12 CFR 1006.34 ( b ), to request your intervention in a matter concerning my credit account. 

I have recently encountered issues with Capital One Auto Finance and XXXX that involve [ describe the issue briefly, e.g., " unfair debt collection practices, '' " incorrect reporting of information, '' etc. ]. Despite my attempts to resolve this matter directly with the creditors and credit bureau, the issues persist, and I believe they constitute violations of my rights under th

e Consumer Law. As per the regulations outlined in 12 CFR 1006.34 ( b ), I hereby request that you investigate these
matters and take appropriate action to ensure compliance with consumer protection laws. Additionally, I request that you provide me with updates on the status of your investigation and any actions taken. 

Furthermore, pursuant to 12 CFR 1006.34 ( b ), I demand that Capital One Auto Finance and XXXX cease and desist from [ describe the specific actions or practices you want them to stop, e.g., " contacting me by phone, '' " reporting inaccurate information to credit bureaus, '' etc. ] XXXX
Consumer complaint received 2023-06-07
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 (GA)

Hello, On XX/XX/2023, I received an email stating my PayPal account is permanently limited. PayPal is deciding to hold the money ( XXXX USD ) in the PayPal balance. I called the company and indicated that the cards used for purchases are prepaid visa gift cards. I also indicated that I am okay with the account being closed just please allow me to transfer the money to my bank account. They declined. I called back on several different occasions none of which I received any insight as to why the account was closed.
Consumer complaint received 2023-06-08
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. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

-XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2023-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I changed my phone number due to harassing phone calls from my ex-husband. I didn't change my two factor authentication number before because once the phone number was changed, I could not receive the code to access my account. I have a coming credit card payment that I can not pay because I can not log in. I spoke to 2 representatives on XX/XX/XXXX- the first rep left me on hold for over 30 minutes then disconnected the call without calling back. The second rep told me to go to www.usaa.com/XXXX  and provide my Drivers license to verify myself and I would receive an email within 24 hours to access my account. It is XX/XX/XXXX and no one has called back for over a week. I tried to login to see if anything changed and I still can not get past the 2 factor authentication with my old phone number.