davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

File number XXXX. Dispute was filed through XXXX XXXX for in accurate report from XXXX about inaccurate information from Portfolio Recovery on XXXX XXXX. I have yet to receive any results or updates on case. I reached XX/XX/year> stating FRCA requires an update on a dispute within 30 days and was told there was an error on there end. Chat transcripts should show that. Seeing they are not holding up the laws mandate i would like all information they've obtain without my consent deleted .According to 15 USC 1681b. 

All portfolio recovery information is incorrect
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NM)

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 XXXX XXXX XXXX # XXXX, has violated my rights. 

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 2022-12-28
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (IL)

I recently submitted a complaint regarding a delivery fee not being refunded by XXXX 's. I submitted the case on XX/XX/XXXX Case # XXXX. 

They resolved it by crediting me like {$220.00} to my XXXX 's credit card financed by XXXX XXXX. Even though I didn't get the {$220.00} I was promised. I rolled with it. 

Everything was okay until today XX/XX/XXXX. I received a call from a lady name XXXX stating that she was XXXX 's XXXX XXXX from the XXXX store. 

She threatened me and stated that if I didn't pay her the {$220.00} for the barstools and end tables. That she'll put this as a collections on my credit report. She stated that I did a chargeback with XXXX I better pay them or bring them the items back immediately. I told her she needed to call XXXX to understand what happened. XXXX explained that she won't call them since they gave me a credit. Due to me telling them I didn't make that purchase. 

XXXX better straighten this out right now, or I'm going to retain legal council. They have until next XXXX XX/XX/XXXX to update me, or I'm suing. This place is a scam and a rip off.
Consumer complaint received 2021-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (PA)

Chase has opened 2 checking accounts without my authorization the first debit card was received on XXXX which I called and was told on the phone that the account was fraudulently created and that they would flag my personal information and cancel the account. Then on XX/XX/12 another debit card was receieved ( different number ) calked to report after 36 minutes on hold call was disconnected and secind call placed. Very concerned that Chase is allowing creation if new accounts without customer approval or awareness. Also not alerting they have a fraud issue if that is the case causing this situation.
Consumer complaint received 2021-03-13
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: Experian Information Solutions Inc. (IN)

I have contacted experian via phone, online as well as mail asking them to verify 2 accounts on my report. I have asked for method of verification. I have also asked for a contract or anything that states this account is mines. They only respond with account is verified but it has yet updated from 2019 of " last payment status '' Each account has a XXXX balance and no payment history. 
# XXXX last updated status XXXX of 2019 # XXXX last updated 2019
Consumer complaint received 2021-03-13
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX ( Removed and re-inserted, violated F.C.R.A. law ) Reported : XXXX XXXX, 2021 {$300.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2022-12-28
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (AZ)

On XX/XX/2020, signed closing documents refinancing my home. Proceeds were to be distributed to several companies to payoff other loans. The 3 day wait period ended on XX/XX/2020. Payoff amounts were based on specific dates, however, those dates have passed. I was told that checks were mailed regular mail on XX/XX/2020, which means there are no tracking numbers.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Transunion continues to ignore my multiple disputes and violation of FCRA and consumer laws. Transunion has added more inaccurate and incorrect information for which I am also asking to be removed.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2021-03-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Conn's, Inc. (NM)

This company has contacted my employer, XXXX  in the past. I served as an operator at the time and was I did not owe, and had my personal information. When I did not answer, they left personal information with my coworkers.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I contacted the credit card several times. First time was to set up automatic payments. I bought a watch, and I used the credit card only for that and intermediately together and agent that work for the company and I have never missed a payment. Apparently, it wasn't of my knowledge that the Credit Card received electronic checks first and started to take electronic payments later during the 24 months installments. I set up automatic payments with them since the very first payment and I didn't sign up for paperless. After months I wanted to know about the account and I called to see if all was right when I started to see that monthly payments were set up for more than the exact amount result of dividing the total debt in 24 months equal payments and on top of it all I was charged for late fee and interest on the late fees. 
I contacted the bank and it's been months exchanging letters, sending documents by mail, and spending hours with agents that don't have access to information older than 6 months. 
I have sent them official documents from my bank ( XXXX ) doing all the payments in timely fashion and not missing any of them. At the end of the 24 installments since auto pay was set up for an amount higher than the amount needed to satisfy the debt generated for my purchase i overpaid the credit card for the total amount of {$580.00}. 
However, the credit card insists that I owed them XXXX dollars and I claimed that on the contrary they need to pay me back {$580.00}.
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I have had my PayPal account for 20 years. I logged in on XX/XX/2021 and 2 minutes later I get a message saying my account has received permanent limitations. When I call to figure out whats the problem, they cant give me an explanation. I have not had and transactions since middle of XXXX. Their attitude is basically just oh well. This account has been important to me from the beginning and I have done my best over the years to make sure I dont do anything to warrant something like this and it happens anyways. The reason I even logged in that day was to get the info to have my social security check direct deposited to the account. 20 years means nothing to them apparently!!!!!
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2021, I noticed that I had 13 transactions from that apparently had come from a website listed as XXXX XXXX on my bank statements. The total for these charges after whoever had used my card issued a small refund of {$100.00} was {$6300.00}. This could have been caused by any number of things as I had just gotten back from XXXX XXXX, Nevada the week before this happened, however I made sure my card was on me and in my wallet next to me at all times. It is possible someone used a skimming device of some sort. I filed a fraud claim with Bank of America the same day this happened. two months later and I called the bank again because they had retracted the credit they had given on the date of XX/XX/2021, stating that after investigation I was liable and they would not refund me. I would have tried contacting the merchant themselves, however they did not have a phone line, and the only way to get customer service was with an order number of which I do not have because I have personally never purchased from them.
Consumer complaint received 2021-03-13
Product: Credit card or 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 (MA)

Ive had American Express serve for years for me and my wife, the account was solely in my name. Well on Thursday XX/XX/XXXX i attempted to use my card at the Funeral parlor to purchase keepsake urns for my wifes family, My wife passed away XX/XX/XXXX at the age of XXXX. Well i called the number on the back of the card only to be told my account was locked, ( Wont give me a reason ) Wont give me my money, and is telling me in order to get an answer i have to MAIL a letter to Serve Customer Care. I got NO notice of it closing, they haven't sent me ANYTHING saying why, no email, text letter nothing. 
XXXX XXXX XXXX XXXX, GA XXXX Ive called 5 times because i was in aww that they can take my money, close my account and tell me to MAIL someone, seems odd if you ask me. I spoke to a supervisor named XXXX employee ID # XXXX. He told me the same thing and will not help. Friday XX/XX/XXXX i typed up a letter and sent it priority mail with tracking, i also have notified my local Attorney Generals office for help, emailed a local news source and filed a complaint with the XXXX. Everything i do is linked to that account, Stimulus, unemployment, taxes, bills. They left me in a bad spot at a bad time in my life when my wife passed away. This is not fair for an institution this big to just do what they are doing to me. Please help me. Thank you XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting 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. (FL)

I trust this communication finds you adequately. With mounting frustration, I am compelled to lodge a formal complaint regarding a persisting issue that continues to evade resolution despite my repeated efforts. This marks my eleventh attempt to highlight the ongoing problem of denied access to my personal credit report by EQUIFAX. Regrettably, their consistent refusal to furnish any information regarding my credit history is unacceptable. Enclosed are supplementary documents bolstering my assertions, including duplicates of my personal identification.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MT)

I had a checking account with Wells Fargo years ago. I quit using them due to so many overdraft fees and fees they took out between the years XXXX to current. To me, that was dirty to always get hit with large overdraft charges. This was done in XXXX I have moved to XXXX since then, and changed my last name to woods.My apologies, I can not give actual years or dates. I always felt Wells Fargo was dirty when it came to so many overdraft fees.
Consumer complaint received 2023-07-31
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. (NY)

My credit report is showing late payments on XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history or better yet, DELETE the whole account from my report. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I have a credit card with FNB Omaha Bank, a limit of XXXX + On XXXX. XXXX I charged {$1300.00} mostly for an auto repair, a one-time charge. Payment has been made in full. XXXX dropped my score by XXXX points, and the bill is paid. I made a dispute their response below. 
Report Number : XXXX Date Generated : XX/XX/2021 Results Report Number : XXXX Date Generated : XX/XX/2021 FNB OMAHA Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Results Report Number : XXXX Date Generated : XX/XX/2021 FNB OMAHA Account XXXX Your balance is the amount that you owe on an account. A high balance may have a negative impact on your Credit Score. 
Score Decrease Your FICO Score has decreased by XXXX points. XX/XX/2021 2021
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

I made a reservation for travel with a company named XXXX XXXX XXXX  in the amount of {$3500.00} for XX/XX/2020. Given Covid we were unable to travel and due to merchant unresponsiveness filed a merchant dispute with American Express. Full amount was credited back to my account in XX/XX/2020 and was told to consider the settlement final within 69 days. 

Now, 6 months later American Express billed me back {$1900.00} after the matter was considered final by me and the merchant. Please help. American Express is not responding to this merchant dispute issue
Consumer complaint received 2022-12-28
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REMOVE OR DELETE all information which can not be verified. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX