davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Tower Loan of Mississippi, Inc. (AL)

tower loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are the unauthorized and unverified inquiries made on my credit profile under experian these are a defamation to my character i am trying to buy a house. Accrording to the fcra these unverified and unauthorized items must be removed as soon as possible. XXXX unauthorized and unverified inquiries are XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, these are a defamation to my character as well and must be removed as they are unauthorized and unverified per the ncra. Law 15 usc 1681 ; The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (CA)

I contacted Freedom Mortgage in XXXX requesting to recast my mortgage due to principle reduction. In the last 2+ years, I have paid my mortgage aggressively and lowering by more than XXXX since mortgage initiated. 

I called in XXXX and was told I qualified for the recasting. I filled out the forms requested and sent Freedom Mortgage a {$250.00} processing fee. I followed up with Freedom Mortgage beginning of XXXX to confirm they received my request and when the new payment would be effective. The 2nd representative confirmed the receipt of the request and my new payment should take into effect in XX/XX/XXXX. 

Yesterday, XX/XX/XXXX, I received a letter rejecting my request stating that I didn't may the required lump-sum payment and must be at 10 % of current balance. I was not told this requirement both the times I called. 

I followed-up with Freedom on XX/XX/XXXX, and the representative confirm the letter is correct and I can not recast. They representative mentioned they don't really have a " recasting department '' so they dont know who to reach out to inquire more about this.
Consumer complaint received 2023-08-16
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: MIDFIRST BANK (TX)

IN ACCORANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT HAS VIOLATED MY RIGHTS. 

15 USC 1681 ASECTION 602 A. STATES I HAVE THE RIGHT TO PRIVacy.

15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15usc 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 2024-03-15
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

There are 18 hard inquires on my credit report who has been misleading with information. 
Capital one spark, advertisement misleading information. They mislead in inquiring their information. So i want that inquiry deleted off my report.. 
XXXX XXXX XXXX misleading information from social media please remove XXXXXXXX XXXX  misleading information from social media please remove XXXX XXXX XXXX  misleading information from social media please remove XXXX XXXX i would like removed XXXX XXXX please remove XXXX please remove XXXXXXXX please remove XXXX please remove XXXX XXXX please remove
Consumer complaint received 2022-10-13
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-10
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. (CA)

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00}
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have an account with Capital One credit card. 
I just found out that they have been charging me interest on a cash advance from 4 years ago. And the only way I can get that taken off my account, the cash advance, is to pay off my entire balance. 

Granted, if I'm being overcharged, it hasn't been a huge amount at {$5.00} to {$6.00} each month since the 2019 withdrawal. But while I have made late payments for the past couple of years due to lack of reliable income ( I'm a freelancer ), I have been doing my best to keep up. My balance at the moment is about {$2800.00}. I don't know if I'll ever be able to pay that off unless somehow I can get regular employment. 

But, the amount I've paid in interest fees on this, by now, is about the same amount as what I withdrew. I don't see that it's fair that I can't pay off the cash advance when I'm making payments. There probably is no recourse, but it just seems like a very unfair practice.
Consumer complaint received 2023-05-25
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. (TN)

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still items that need to be fixed and deleted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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. (WA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pollack & Rosen, P.A. (FL)

XXXX XXXX XXXX filed a lawsuit against me for unpaid debt on what I strongly suspect is a fraudulent credit card account opened in my name. The debt amounts to a total of {$1600.00}, due over 2 years ago on XX/XX/XXXX, with a statement closing date of XX/XX/XXXX. The original issuer is XXXX XXXX. 

Pollack & Rosen is the attorney for the plaintiff, and the pretrial conference will be on XXXX at XXXX XXXX 

I logged into that XXXX XXXX account and checked the contact details ( I don't have access to the account details ). I discovered some key things : 1 ) The email listed on the XXXX XXXX account is not mine -- I recognized it immediately as my sister 's. This explains why I hadn't received any emails for the past ~3 years. Receiving the pretrial conference notice was a complete surprise to me. 

2 ) That same email also appeared on my credit reports with XXXX, XXXX, and XXXX. 

3 ) I never lived at the address mentioned in the trial notice, which I also recognize as my sister 's previous residence. That address appeared on my credit reports too. So I disputed both the address and email with all the 3 aforementioned credit bureaus.

4 ) Whoever opened the credit card account did so using my middle name, not my legal first name, so that's another mistake they made. ( I don't want to jump to the assumption that my sister was responsible for this, I don't know if she was framed or not ) 5 ) I don't recognize the charge that I owe the debt for, which is a " Promotional Purchase. '' I tried to look at those above transaction details to know more, but I came to a dead end because of these obstacles below : 1 ) XXXX account. I tried to check 1 ) the account details and 2 ) the transaction history, but I don't know the original account number besides the last XXXX digits mentioned in the trial notice. I asked XXXX 's customer service for the Account ID I need to log in, but they just forwarded me to XXXX XXXX XXXX, so XXXX became a dead end. 

XXXX XXXX Pollack & Rosen account. My First Name is wrongly listed too, but I haven't found any other relevant information about the fraudulent credit card account. 

I think I've exhausted all my options for founding out more about this fraudulent account and what the transaction history looks like. My pretrial conference is in XXXX weeks and I would like an investigation into this case. I hope to get an answer soon if at all possible and have enough time to prepare before the conference. 

Below I attached my credit reports ( disputes still pending ) which show that fraudulent address, as well as a screenshot of the contact detail on the XXXX XXXX account.
Consumer complaint received 2019-01-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

My Navient Student Loan account is currently holding open and accruing interest on 5 loans that I was told were closed on XXXX XXXX according to the U.S. Dept of ED-XXXX. These loans were from the University XXXX XXXX and were supposed to be closed not transferred to another lender. These loans total {$17000.00} that was not discharged and closed but transferred and hidden among other student loans.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

This is a continuation of complaints XXXX, XXXX, XXXX, and XXXX. I called USAA to follow up to see why our debit cards are still frozen after providing them scans of our passports, taxes, my military orders, etc. She transferred me to a supervisor ( I was on hold almost XXXX minutes while waiting for the supervisor ) and the supervisor informed me that we had to answer questions. I said what questions, the ones the previous customer service agent said she needed and that are answered in all the documents I submitted to USAA ( income from me and my wife, etc. ). 

She said that they wouldnt even be able to unfreeze our cards since that team works only Monday through Friday. So USAA contacted my wife this morning ( XXXX XX/XX/2023 ) and they kept me on hold for over half an hour even though they knew they couldnt do anything this weekend. 5 days and counting of having our debit cards suspended, talking to over half a dozen customer service agents ( between me and my wife ), using our Polish phone to call a US number racking up our phone bill, then USAA providing a memo ( with hardly any details ) generated only after me calling and being backdated to before I inquired, and there is still no resolution.
Consumer complaint received 2023-05-25
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (GA)

I have contacted this company several times through certified mail asking for valid proof of ownership of account with a signed contract with this company. This company has failed to send the contract but statements, which is not the same yet has not removed from 2 of my credit reports ( XXXX and XXXX ). Pursuant to 18 USC 8, I owe no debt, THis company is violating my consumer right to privacy pursuant to 15 USC 1682 1b. This company has no permission to report ANYTHING using my information pursuant to 15 USC 1681.4.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (WA)

Re : Case number : XXXX I purchased two Vanilla Visa Prepaid Card in the amount of {$500.00} each on XXXX I could not registered the aforementioned prepaid cards because the numbers were scratched off of both cards. I immediately called the number provided on the card ( XXXX ) and had the cards frozen. I was informed by a customer service representative that the card was inactivated due to them freezing it due to it being compromise. I was asked to email pictures of the cards front and back, my personal ID and the receipt to XXXX which I did right away. Called on : XXXX was told 30 days from email Called on : XXXX case is still ongoing expect info on XXXX XXXX  XXXX Called XX/XX/XXXX told not resolved and to call back in XXXX hours and it will be determined because XXXX was Escalating the case Called on XX/XX/XXXX spoke with XXXX will be getting card within 7-10 business days, so by XX/XX/XXXX. Two Cards will be in the amount of {$500.00}. It will come to my home address. It is now XX/XX/XXXX and no cards have arrived.
Consumer complaint received 2019-12-03
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 (PA)

PayPal informed me my account was permanently banned for violating terms of service, but refused to tell me what i did wrong. All i use PayPal for is paying friends/family for nights out for dinner. My fianc would send me some money monthly to for our wedding. PayPal tells me i have to file a subpoena to find out why they banned me - which costs money for me to do! This is ridiculous - Im not a high volume customer ... its {$50.00} here and there, and my fianc would send me a couple XXXX. Im not a seller - i dont use it for business - its for personal use. 

Because they banned me, i cant even unlink my checking account or credit card from their system - which means PayPal has my banking info and credit card info ... I am not allowed to use their services, yet my personal banking info is at risk in their system in case theres data stolen. I cant get my info out of their system. 

All I want to know is why they banned me - it was obviously some kind of mistake ... I want to be able to use their services, since its used all over the place. And if PayPal will refuse, then let me remove my banking info and credit card info and putting my info at risk when i cant use their product.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

At the beginning of XX/XX/2023 without my authorization ( no signature ) or prior notification Chase Bank " removed '' ( see attached ) my XXXX Sapphire Checking account from its linked status with my primary Sapphire Checking account XXXX and " replaced '' it with another account. Since I did not know that XXXX had become unlinked it no longer met the Sapphire balance requirement and began to be charged a Monthly Service Fee of {$25.00} for XXXX, XXXX, and XX/XX/2023. I brought this to Chase 's attention when I discovered the fees in XXXX. Chase would only give me {$25.00} back stating that is their policy of only one fee reversal a year. I went to my branch and spoke with a client represent, XXXX, who also could not reverse the {$50.00} total charges even though it was not my fault that I received them. To stop further monthly charges I had to change my XXXX from the much more premier Sapphire Checking into a low tier account of Total Checking. Since I did not authorize the XXXX Sapphire " removal '' I want Chase to refund the remaining two {$25.00} Service charges ( for low account balances ) back to my XXXX account. I realize that {$50.00} is not much money but to me it is the principle of trusting one 's bank with your money, since Chase bank did not perform its fiduciary responsibility in my regard by failing to contact me beforehand about changing my XXXX 's checking account status but acted on its own discretion. Thank you for your help.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (MD)

In accordance with the fair credit reporting act XXXX XXXX XXXX account, # 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 an account without my written instructions.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights. 15 USC 1681 section 602 a state I have the right to privacy. 15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnishing account without my written in instructions 15 US C166B a creditor May not treat a payment on a credit card account under any open in consumer credit plan as late for any reason