davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have submitted credit disputes with all three credit bureaus, to update my student loan balance and account status. My loans with XXXX XXXX were paid off and closed back in XX/XX/2021. XXXX, Experian, and XXXX refuse to update my credit report. I contacted XXXX XXXX they have confirmed my accounts are paid off and closed.
Consumer complaint received 2021-09-05
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. (TX)

You're required to obtain verification from the DATA FURNISHER and the court sent me the attached affidavit telling me that they don't verify any information with you, so HOW is anything else considered legal verification? This needs to be removed immediately from my credit report U.S Bankruptcy- XXXX
Consumer complaint received 2022-12-29
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)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I am unable to perform a credit freeze online with Experian through their website ( https : //www.experian.com/freeze/center.html ). I have tried several times over several days ( XX/XX/2020, XX/XX/2020 ). Despite being able to manage freezes ( with both XXXX and XXXX ), Experian always fails to verify my information despite it being accurate and correct and instead requires me to mail the request to them to perform the freeze. 

Experian intentionally makes the process difficult and slow. I should not be required to mail this request to Experian, which additionally requires mailing my ssn, copys of bills, license, etc., to freeze my credit.
Consumer complaint received 2022-06-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (MA)

On or about XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dealer # XXXX a representative of Mercedes-Benz was assigned to extend credit to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, took willful and knowing adverse action on XX/XX/2022 denying me the RIGHT ( credit ) by not making available my consumer credit under my open-end consumer credit plan available to me for personal use to purchase a XXXX XXXXXXXX Stock No XXXX as advertised. I provided the President of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and Business Manager, XXXX XXXX the requirements and procedures under the Federal Laws of Truth In Lending and Equal Credit Opportunity Act under 12 CFR part 1002.2 and 12 CFR part 1026. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ignored the opportunity to remedy the adverse action which they are in willful and knowing violation by denying me my right pursuant to 12 CFR part 1002.2 ( c ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and their employees, agents, successors or assigns have ignored all of my notices regarding this consumer credit transaction. I will move forward to Arbitrate by the Federal Arbitration Act under 12 CFR part 1040 if they continue to discriminate against me. Please see attached evidence.
Consumer complaint received 2020-04-06
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)

I have disputed and submitted a complaint about the bureaus not investigating an account with XXXX XXXX XXXX that is reporting a balance when there is no money owed to this company. I have attached proof since apparently the bureaus can do what they wish and not investigate when requested, regardless of what the FCRA indicates.
Consumer complaint received 2022-06-03
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. (LA)

all typed in previous report see complaint XXXX Equifax has vilolated the FCRA in reference to my credit profile.

in violation of FCRA 15 USC 1681 section 602 A 15USC section 604A section 2states that a consumer reporting agancy can not furnish an account without permission of the consumer, other vilations the company failed to provide any documentation regarding any of the disputes they had multiple data breeches, offered free reporting, and possible monetary compansation, never recieved companies listed wrong dates, incorrct balances no dates of last activity, all erronous information. Public Recoirds, Hospital bill which is a HIPPA violation XXXX date open XXXX XXXX XXXX XXXX ( 5 ) or more outdated all inaccurate information bankruptcy XXXX bankrutptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy XXXX XXXXXXXX XXXX  XXXX I also contacted the United State Courts in which Equifax and other companies stated this information was provided, The United States courts do not send, mail or deliever any information on consumers to any credit reporting agencies.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc. (FL)

RE : XXXX XXXX, Ginnys, Seventh Avenue, and Monroe and Main. 

I tried several times to request a plan with this company through a debt counseling company, they denied me and kept my account open and wracked up interest and late fees. They finally accepted but will not close my account or reduce my payment as agreed upon. They are reporting to the credit bureau incorrectly however the credit bureau has not taken action and neither has the company. The account is still showing open on my credit report and the payment is still not correct. Also, they have not reported me to the credit bureau for several years and consequently have no idea who I am paying through the debt management company, They refuse to verify the debt. They do not answer my calls either. Again, no action has been taken and my student loan is at stake.
Consumer complaint received 2020-04-06
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. (FL)

I have disputed and submitted a complaint about the bureaus not investigating an account with XXXX XXXX XXXX that is reporting a balance when there is no money owed to this company. I have attached proof since apparently the bureaus can do what they wish and not investigate when requested, regardless of what the FCRA indicates.
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (GA)

The mailing address information was changed on my account without my request. I contacted customer service several times and was advised that they received a power of attorney to change my mailing address. I spoke to a supervisor and requested a copy of the power of attorney letter they received and was told it would be mailed to me, however, I just received a letter without the proof that was used to change the address. Everyone including the supervisor is saying the same but they have not provided me with any documentation they received. I feel that some fraud is going on and this is very frustrating.
Consumer complaint received 2019-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX I added XXXX XXXX as a new payee to my automatic bill pay on my TD checking account. I schedule monthly payments of {$2800.00} to pay my mortgage to XXXX XXXX. On XX/XX/XXXX TD Bank paid XXXX XXXX XXXX {$2800.00} which I saw on my mobile app. I called TD to report the error. I was told by TD customer service that XXXX XXXX  was not a payee in my bill pay which I confirmed on my mobile app. I spent an hour on the phone which ended in TD Bank saying there is nothing they could do to retrieve my money. I was instructed to call XXXX & XXXX. On XX/XX/XXXX XXXX XXXX XXXX confirmed I have a {$2800.00} credit on my account but said they can not return my money. They instructed me to call TD Bank. On XX/XX/XXXX TD Bank said there was no system error on their part. And they said customer service was wrong during our phone call on XX/XX/XXXX. I was told that XXXX XXXX is a payee in my bill pay and has been since XX/XX/XXXX. And they repeated that no error occurred. This part concerns me most because it appears to be a lie. XXXX is STILL NOT showing as a payee on my account. I have screen shots to prove that XXXX XXXX is still not there as of XXXX XX/XX/XXXX. I think there was definitely a system error on TDs part and now they are lying about what they have discovered in order to cover up the problem. In the meantime, I still need the {$2800.00} that XXXX XXXX XXXX has refused to return in order to pay mortgage.
Consumer complaint received 2022-03-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX  / XXXX / {$5400.00}
Consumer complaint received 2020-04-06
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)

ATTENTION : XXXX  DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX   XXXX XXXX : XXXX The payment status is incorrect, please delete.
Consumer complaint received 2020-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (GA)

My single Member XXXXXXXX XXXX XXXX XXXX   recently invoiced XXXX $ XXXX ( XXXX XXXX ) for the sale of Intellectual Property. The invoice was generated and submitted, and payment received all within the PayPal platform. According to the PayPal interface payment was received on XX/XX/20 ( Transaction ID : XXXX ) and I was subsequently told by a live PayPal representative that availability of the funds was subject to a 21-day hold due the amount of the payment. As indicated in the attached transaction report from PayPal the amount of the transaction is incorrectly reflected as {$1.00}, which PayPay must definitively verify and substantiate and correct. Confusion may have been caused by the fact that subsequent to submitting the invoice to XXXX I offered them the option of purchasing additional Intellectual Property for substantially more so the Payment may have been $ XXXX XXXX XXXX XXXX ). So in summary, I have been without access to my funds now for over XXXX because of PayPals inability to verify a payment amount and deposit it correctly, I other words do their job. I have also requested PayPal by email to restrict all non-debit-card Debit transactions on the account until such time that I am able to meet with them in person to positively verify identity biometrically and agree upon debit procedures. Hopefully they are able to at least correctly address the debit restriction.
Consumer complaint received 2022-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EOS Holdings, Inc. (FL)

i recieved mail from a debt collection company trying to collect a debt of behalf of XXXX XXXX. This is a direct violation of my federal rights. 

U.S.C. 1692 states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2020-04-06
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. (FL)

ATTENTION : XXXX  DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX   XXXX XXXX : XXXX The payment status is incorrect, please delete.
Consumer complaint received 2022-04-15
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account # 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 a account without my written instructions.
Consumer complaint received 2022-04-15
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account # 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 a account without my written instructions.
Consumer complaint received 2023-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL)

AR resources inc. has been reporting a medical debt to the credit bureau in the amount of {$380.00}, according to the FCRA ( Fair Credit Reporting Act ) the new guideline that applies to all creditors that medical Bills/ collections under XXXX are not qualified to be reported to credit agencies. I called and spoke to them about it, and the lady was very rude and said that there was no such thing and hung up. 

Amount trying to be collected ( {$380.00} ) Collection issued on XX/XX/18 AR Resources inc. 
( XXXX ) XXXX
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

Hello, I am writing to file a complaint against Discover credit card company.

I have been a Discover card member holder since at least XXXX, XXXX. My account has always been in good standing with Discover over the years. Just recently, on XX/XX/XXXX, I made a payment of {$8000.00} on my account.

In recent weeks, my family and I have been negatively impacted by COVID-19 like all Americans have. During this time of uncertainty, it was peace of mind knowing that we had some available credit for emergencies ( grocery, doctor visits etc. ). Suddenly, Discover decided to run a check resulting in my credit line being lowered significantly from {$11000.00} to {$7900.00}. This leaves me with {$200.00} available credit and this has also negatively impacted my credit score and reports across the board. 

It is so unprofessional to be taking this kind of action during this crisis. XXXX, my credit score may have taken a short-term 'hit ' due to the circumstances we are currently in, but just like everything else, it will bounce back once we recover. In the meantime, I ask at the very LEAST to not lower my available credit leaving my family with hardly any safety net. It is a scary and shocking action that was taken. I spent 30 minutes on the phone with a Discover CS agent on Monday, XX/XX/XXXX. She was unable to revert the change and sited a contractual agreement. I am certain that my 'contractual agreement ' does not include a worldwide crisis and how customers should be treated during this time. 

Thank you for your time, Concerned customer
Consumer complaint received 2022-06-03
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. (IL)

I had my purse stolen several years ago and filed a police report then. I noticed accounts and inquiries being opened in my name so I filed a report with the FTC and submitted another police report to help remove some of these fraudulent inquiries and accounts.
Consumer complaint received 2022-06-03
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX  # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX 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 I have some inquiries that I didn't authorized and unaware of. 

The Inquiries are Experian : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/2019, I pulled a XXXX, and on XX/XX/2019, a XXXX XXXX   credit score among Transunion, XXXX and XXXX Transunion score, deviates greater among all bureau 's. Transunion is 112 points lower than XXXX, and 121 points lower than XXXX. There is something wrong with their credit reporting score model, as the score among all three companies are too different. The standard deviation is to large, 112 and 121 points is to large of a spread. 

Please be advised all of Transunion creditors and lenders are equally reporting the identical information among XXXX and XXXX. I called Transunion to discuss how to dispute their score and score model on XX/XX/2019. A representative told me I can not dispute the model and their is nothing wrong with the score. 

This complaint is for redress against a flawed scoring model that can not be disputed. 

I am respectfully requesting help for disputing transunion scoring model, as it is flawed. Tranunion scoring models among all bureaus are to different, even though all three credit agencies report the identical credit lenders, inquiries, and balances
Consumer complaint received 2020-04-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (FL)

I requested the money be transferred to my bank account in XXXX and for some reason they have it for pick up. I don't live there! I can't pick it up! Tried to send more money and now they have it on hold with no solution because they dont answer the phone and their " chat '' always has the number of 99 people in line ahead of me. so they have my money on hold and there is no way to refund or talk to any one about that. the web page just has you going in circles. XXXX is MUCH better.
Consumer complaint received 2020-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED BANKSHARES, INC. (VA)

I made a transaction through a website known as XXXX - which I later discovered that it is infamous for scamming customers. XXXX is a complete fraud. The tr Pre-Transaction : It clearly noted that my reservation would be refundable. This is why I proceeded with the transaction. 

Post-Transaction : I called XXXX more than 10 times - sometimes staying on hold for more than two hours. Their dispatchers are based out of a call center in XXXX. They are extremely rude and weren't understanding the situation. At one point, they simply hung up the phone on. I even called the airlines directly of whom told me it can only be resolved with XXXX. 

Two submitted disputes later, and United Bank still will not help this situation. They have denied the dispute and claimed there's nothing that can be done because it is " human error. '' I explained to them how I was a victim of fraud. How before the transaction it read that it was refundable. No one is willing to listen to me or understand the situation. Especially in light of the COVID-19 situation, these funds are vital. Any help or assistance in this matter would be greatly appreciated. 

Date : XX/XX/2020 Vendor : XXXX Bank : United Bank Type : United Free Checking Amount : {$790.00}
Consumer complaint received 2020-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (NH)

I opened a checking/savings account via a promotional link from BBVA. They acknowlege I met the terms of the promotion which was to maintain a {$300.00} balance in their savings account by the end of XX/XX/2019. They ALSO claim there was a 90 " monitoring period '' which was not in the original terms of the promotion. I attached proof from the bank that the aforementioned period has expired and there are still no promotional funds received.