davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, 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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX   Inquiry Dates : XX/XX/2018 - XX/XX/2018 - XX/XX/2018
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My husband and I took out a home equity line of credit and the bank forgot to disclose they would pay off the balance on the account as well as close the credit card accounts. We signed the documents with the bank and closed but when I called Capital One to explain there was an error in closing the account and that I would like to reopen the account the denied being able to re-open. This happened with another credit card of mine and they were immediately able to rectify the situation. I called several times and placed several tickets, speaking to a supervisor but they stated they could not re-open the account even with my authorization confirming I did not want the account to be closed. The bank we closed with will not send a letter to Capital one because they forgot to disclose and was on fine print in the paperwork.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I currently have a Capital One credit card with a {$700.00} limit. This is one of my oldest cards and I have NEVER been late. The account is very much still open and being used. It has been removed from all 3 of my credit reports. I've called Capital One and all 3 bureaus and both keep passing the issue back and forth. This has caused a decrease in my credit scores and I am in the process of purchasing a home. I can't have these types of errors right now. PLEASE HELP! SOMEBODY, ANYBODY!
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX  in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Consumer complaint received 2019-02-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

CFPB is full of complaints about USAA. On information and beleif, USAA entered into a settlement agreement for previous bad deeds involving their interaction and conduct with their customers. I have previously attempted to get this matter resoved with USAA. I recently was contacted by the USAA CEO Office who indicated they would contact me within two days, that was some weeks ago, and to date I have heard nothing back. I have attached four XXXX 's from USAA, Cancelling Debt. The issue of a XXXX to the IRS achnowledges USAA has abandoned all claim to the alleged debt. I previously disputed the debt and provided USAA verifiable evidence that the debt was based on fraud and not my obligation. I provided USAA all the law enforcement reports associated with the fraud that I had obtained. USAA ignored all the evidence and continued to pursue collections. In every case, on each of the four credit cards, USAA overcharged me for late fees etc. 
USAA was caught by CFPB and was required to issue refunds. However, USAA continues to attempt collections on an Abandoned Debt wherein they issued [ 4 ] XXXX 's to me and provided the same to the IRS. After USAA issued the XXXX 's, they continued to report PAST DUE amounts associated with each credit card. As of XX/XX/2019, USAA continues to report Past Due amounts on the four credit cards and is attempting to collect.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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 2022-11-11
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 2019-12-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

I requested 3 times to have a bankruptcy removed from my account because of failure to provide me with the method of verification for this account, I was told by each credit bureau that it was verified through my courts and I would need to contact them upon contacting my court I received a letter from them stating they do not verify bankruptcy to 3rd parties. I then sent this letter to each bureau they responded by again sending me letters stating it was verified as correct. Upon asking them to provide me with the method of verification I again received a letter stating the same thing.
Consumer complaint received 2019-12-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

i am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Consumer complaint received 2020-06-09
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. (OH)

My Equifax report appears to be split into two reports. I get alerts to changes to the report such as balances and inquiries but when I pull my Equifax report from Equifax.com there are no updates to any accounts or inquiries since XXXX or XXXX of 2019 across every account. When I try to get my credit report from other sites such as XXXX it says I dont have one, or I may be deceased. Ive been denied credit multiple times for this reason. I was even sent to a companys internal fraud department. 

Ive called Equifax everyday for the last 43 days To get the situation rectified, only to get nowhere. Ive been hung up on, transferred to other departments, and never get anywhere towards a resolution.
Consumer complaint received 2019-12-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX XXXX in the amount of {$97.00} dated XX/XX/2016. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Consumer complaint received 2019-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed 2 items on my credit report from XXXX XXXX i sent them letters on XX/XX/2019 i asked for the original contracts with my signature on them and the amount i supposedly owed because i have not had anything from XXXX XXXX.
Consumer complaint received 2022-10-04
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. (UT)

As of XX/XX/2022 I reached out to all three credit bureaus, XXXX, TranUnion, and XXXX to have them investigate my accounts as I believe I have accurate and fraudulent information on my accounts. I have multiple accounts that do not match the one another records and what I have also. There are multiple accounts that Is too much to add here all though if you need any additional information feel free to reach out via paper mail. 
Please hold them accountable
Consumer complaint received 2020-06-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NJ)

In XXXX of 2020 I was awarded a loan modification which was to start XX/XX/2020. I made XXXX XXXX   payment as well as XXXX payment on time but when it came to the final payment in XXXX I was notified that I was put on a loan forbearance program. I initially wanted to do a forbarence due to my wife hours being reduced at work because of the coronavirus. After seeing her hours weren't being cut as dramatically as she was told they would i opted out of the forbearance and made the scheduled payments. The mortgage company has informed me that even though our modification payments were accepted and processed they will not complete our modification and furthermore they will not remove the forbearance program from my loan. They stated that once the forbearance has run its course there XXXX be options available. Fast forward to XX/XX/2020 I receive a call from the money source again requesting to bring the mortgage current even though on XX/XX/XXXX we were told they couldn't accept our payments because we were on a forbearance. This phone call was to inform me that we weren't on the forbearance as of XX/XX/2020 and that they would like for us to reapply for either a modification or a forbearance. I was also informed that they would continue to call weekly for wellness checks they call it to see what we would like to do about staying in our home.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax refuses to furnish XXXX XXXX with my credit report when I apply for credit with them. They have hindered me from applying for this account which XXXX uses Equifax for new applicants. I have tried to resolve this with Equifax and it appears to be a glitch they refuse to fix.
Consumer complaint received 2019-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (FL)

I am experiencing continuing service problems with PayPal. 
Problem # 1 - adding a bank account. The attempt produced a repeatedly consistent error message and I was asked to " contact Customer Service ''. " Customer Service '' is an offshore operation comprising of automated " Virtual Agents '' offering no help except quotes from the online FAQ, and after several messages from these " Virtual Agents '' you eventually get an actual person who usually communicates in broken English and is not much better. Summarizing from the chat logs, I asked the Agent why can't I add a bank account to my PayPal account, and get a " try again later '' message. Agent replied " I see this action is being stopped by our internal security system '' and offered to " run verification '' by " texting my main mobile number on file ''. I DO NOT have a " main mobile number on file ''. Agent argued that I did - after I specifically REMOVED all mobile numbers from my account. After continuing useless conversation and several attempts to explain that my number is a landline, Agent asked if he can " text '' the landline. After I got upset at this complete and utter incompetence and told the Agent to go XXXX himself, he complained about " profanity ''. I don't want to hear complaints from sensitive " Agents '' about profanity, do your XXXX job and there will be none! It took three days to add the bank account. Problem # 2 - adding money from the already confirmed bank account. Again, an error. " There is a problem adding money from your bank account, please contact us ''. Again, the " Agent ''. Agent sent me a broken link, advised me to " try different browser '' and " wait 24 hours '', among other useless informaton. After this - same error. Then, again, the sensitive XXXX complained about profanity and finally said " our system has determined that something about this specific transaction is a potential risk and we are not going to allow it to go through ''. All this about a simple transfer of less than a hundred dollars from a confirmed bank account to a working PayPal account I have had for 20 years.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Yesterday my wife tried twice to use our Captial One Visa card to pay for a renewal of the XXXX XXXX for one year, but Capital One declined the charge twice. The charge was {$610.00}, and we had {$9800.00} in availability under the card. My wife proceeded to use a Visa card issued by another bank without any trouble. 
I didn't know all this until I received an email shortly thereafter from Capital One : " We recently detected suspicious activity on your account. To protect you, we've restricted your account from making any transaction. '' " Call us ASAP. '' I did call Capital One ASAP but was told by a recorded message that no human being could help for more than ten minutes. About twenty minutes later a representative, who was courteous and professional, called me back. I want this complaint to reflect favorably on him. 
But he had no explanation as to why a XXXX XXXX subscription was " suspicious, '' Anyway, to get the hold removed on my account I had to give the last four digits of my social security number ; my date of birth ; my email address ( which Capital One had just used ) and THEN, I was required to give a " one-time consent '' to Capital One 's texting me with an authorization code. 
I believe the foregoing facts reflect a violation by Capital One of the TCPA and its cardholder agreement, as well, of course, fair customer-facing practices.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

I have a case file in XXXX with the number : XXXX, and citi case : XXXX. Basically, we rented car from XX/XX/XXXX at XXXX for total amount of XXXX XXXX XXXX, but XXXX charged me with XXXX USD on XX/XX/2019, after disputed, refund me with XXXX USD on XX/XX/2019. BUT THIS IS STILL NOT RIGHT. 

please be reminded, this was happened in XXXX, I was supposed to be charged with XXXX XXXX, please see my original rental agreement nad final receipt I attached.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (FL)

We have been customer of TD Bank ( XXXX ) since XX/XX/XXXX. Around XXXX, we also became customers of TD Bank USA and currently deal with their store at XXXX and XXXX  XXXX in XXXX. Credit cards were opened in XXXX in XXXX and later ( around XXXX ) in the USA. 

We used our US VISA account and decided not to make a payment until I could be sure that the charges were proper. Please note that this is not an issue in XXXX since I am provided with all the details on line during the month followed up by a mailed printed statement. However this does not occur with TD US Visa. However, they decided to reduce my credit limit from {$20000.00} to {$1000.00} where it sits currently which I find unworkable and have been phoning them regularly requesting it be increased. I shortly after decided to pay the whole amount to put this matter to an end. 

They later followed up with 3 letters stating they are unable to approve a credit limit increase because of : serious delinquency time since delinquency is too recent or unknown too few accounts currently paid as agreed lack of recent installment loan information I have no other obligations or accounts with a debit balance that I am aware of. If TD VISA has different information I would like to know about it. But why would they make this statement and refer to installment loans since we have never had one. Also please note that our chequing account bank balances in XXXX and the USA are over {$100000.00} and have been for some time. They say that XXXX provided information that influenced our decision - how can they get information since we do not have a social security number. 

TD apparently does not have any intent to properly handle this matter and is dealing with it in an offhand matter. Also please note that a previous TD USA credit card had a date expiry date of XXXX. I tried to pay for a meal on XX/XX/XXXX, that year but was told that my card had expired. So it seems that TD is playing with their customer 's good will. I would venture that universally every one knows that a card so described expires the last day in XXXX, not the first.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OK)

On XX/XX/XXXX I made a payment of {$22.00} to PayPal Credit and {$23.00} to PayPal MasterCard. Both payments were " refunded '' on XX/XX/XXXX. My bank ( XXXX ) has NOT, I repeat NOT received a request for the payment. I have over {$18000.00} available to pay these two little amounts. It has nothing to do with XXXX. Synchrony has in internal issue they refuse to investigate. They have damaged my credit and I want a THOROUGH investigation into their system to determine the correct this issue and restore all my accounts along with an apology letter for the damage to my credit and lack of customer care over the past six months. 
LIKE LAST TIME, I HAVE INCLUDED MY ACCOUNT ACTIVITY FROM THE PAYING ACCOUNT! USE IT INSTEAD OF LECTURING ME ON THE DEFINITION OF A " RETURNED '' CHECK. WHICH IS A TERM NEVER USED ON ANY OF THE ACCOUNTS AND WHICH HAS NEVER HAPPENED!. READ THE TRANSCRIPT FROM XXXX STATING SYNCHRONY HAS NOT BEEN SENDING ANY REQUESTS FOR THE PAYMENTS I HAVE AUTHORIZED!!!! 
THE ONLY THING DISHONORABLE HERE IS THE ATTITUDE AND NEGLECT OF SYNCHRONY BANK. ZERO PROBLEMS WITH TWO PAYPAL ACCOUNTS FOR THREE YEARS! AGGRAVATION AND ATTITUDE EVERY SINCE.