davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: FISERV INC. (MI)

PLEASE PROVIDE APPROVED CLAIM FOR THE SUFFERING FORCED UPON ME BY CORRUPT ATTORNEY XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX LOAN XXXX AND SCAM XXXX XXXX XXXX AND FISERV. PLEASE REVIEW ALL DOCUMENTS AND PAY OUT CLAIM OR I WILL SUIT YOU.
Consumer complaint received 2024-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

My venmo account got hacked. So I called customer service to let them know that I couldn't log into my account. Venmo customer service said 3 to 5 days I will receive email from team specialist that handles these types of situations. I never received email. So I called venmo back and the customer service person said that he talked to the manager at the specialist team saying review is done and they will give me access to my account. He said I would remove an email for a link to upload a picture of my id and after I send i will have access to my account and my funds in a hour. I never received that email. The following day I received email from venmo specialist team saying account is deactivated and that my money in my account is going to be on hold for 180 days. I have {$8100.00} in my account. They didn't tell me why my account got deactivated. I tried asking them to release my funds but I keep getting it same answer. I need to pay rent. I am a single father with XXXX children. XXXX XXXX XXXX and XXXX. I'm about to get kicked out if I don't rent. My rent was due on the XXXX. And now it's already the XXXX.
Consumer complaint received 2022-04-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I filed a dispute in regard to the incorrect/unauthorized items listed on my credit report. It has been well over 30 days, and I have not received any investigations results/updates.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

A fraudulent Bank Account was opened in my name on XX/XX/2023. I have contacted Bank of America several times and to date I have not received a letter stating the account was not mines with the correct name it was opened with. Bank of America also distributed finances that belonged to me from a settlement to be cashed by someone else other than me. I have all the supporting documents.I recently got a XXXX XXXX which I included in the dispute letter.
Consumer complaint received 2022-04-22
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-22
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WI)

There are several transactions on my PayPal statements which show duplicate transactions, some more than twice coming out of my accounts. While I do understand these statements show duplicate transactions out of default, there are several transactions still showing a minus sign- in front of these transactions more than once. Therefore they have been paid out more than once. I have been unsuccessful in resolving this issue for far too long and would like to see it come to a final end as PayPal customer service is not at all easy to work with.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

i had an overpayment on a card after i did a return.total was XXXX some changei requested a payout for that amount on XX/XX/XXXX. i have still not received my money. 
also is there a way to charge them a late fee?
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (WV)

First off, the credit card that this account is from closed my account without allowing me to change my banking information to keep it. I had never missed a payment with that credit card company till the last payment. When I tried to change the banking information to my new bank to continue payments, credit one would not allow me to change it and closed the account without giving me notice or an option to pay. Then I get a notice from Resurgent telling me they were collecting a debt. I asked them if it would be on my credit report and they informed me if I made the payments on time it would not reflect on my credit report. I made three payments starting in XXXX and then in XXXX, they put it in my credit and has done this three times in a matter of 7 days which lowered my credit score tremendously. This needs to be removed from my credit report as I have made every payment early and considering I was not notified properly from XXXX XXXX that they were sending this to a collection agency. This entire account is fraudulent and needs to be removed immediately
Consumer complaint received 2024-05-24
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANCO POPULAR DE PUERTO RICO (PR)

XXXX XXXX XXXX XXXX XXXX do not report my payments to XXXX XXXX, due to changes of owner 's banks accounts acquired since XXXX. 

A complained was submitted on XXXX and XX/XX/XXXX to the bank and they resolved the issue indicating that I had requested directly not report my payments. I already contacted XXXX on XX/XX/XXXX and they confirmed that any person can not request the agency doesn't sent payments reports to the XXXX XXXX. 

It was requested present evidence of any letter from my part. The bank didn't present any evidence. 

At this moment the loan is already fully paid, and the bank did not report to XXXX.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc. (GA)

I did not give this company permission to open an account in my name using my information. I have requested this debt be validated numerous times as it does not belong to me. I also provided a police report and was never provided any proof nor was this account removed upon my request. My attorney would like to pursue arbitration since the company is refusing to remove the account after countless attempts on my own have been overlooked. This has caused undue stress and has affected my life tremendously.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to request the prompt removal of unauthorized inquiries from my credit report. These inquiries are causing me significant distress. I have provided verification documentation to support my request and kindly ask for an expedited investigation into this matter. Thank you
Consumer complaint received 2023-07-26
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: AMERICAN EXPRESS COMPANY (NY)

I have had accounts with American Express for almost 20 years. I pay around {$900.00} in annual fees alone. We have never had to rely too much on them, but over the last few months we have actually had to use the cards we have dutifully paid on time and historically in full. Over the last month we have had myriad purchases declined, a limit set arbitrarily low making our credit look worse, and today after paying around {$15000.00} in a single month theyre are threatening to lower the limit on a card that isnt due and which has ostensibly {$4500.00} in remaining credit. The treatment is absolutely shabby when we have never missed a payment with Amex. Threatening us with reducing the limit unless we pay {$2700.00} that is not due yet and that is thousands above the minimum payment is extortionate and abusive. I would swallow the miserable customer service if it werent so detrimental to my credit at the very moment I need the cards to help me move.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

all the information attached to my social is incorrect, and the person that has access to it it's not the person they say he is I've been having a really hard time employed have credit they denied me for everything due to this person using my social they think that I'm one of his dependents or something or a spouse. Going to fix that problem by trying to verify my identity.
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act, the account XXXX ( XXXX XXXX ) has violated my rights. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period.
Consumer complaint received 2022-04-22
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: Nelson Cruz & Associates LLC (LA)

In accordance with the fair credit reporting act, These Companies below have violated my Federally Protected Consumer rights to privacy and my rights to confidentiality, under the 15USC and 1681and1681sec 602 and 604. 15usc 1681 sec 602 A States, I have the right to privacy. 15usc 1681 sec 604A sec 2 also states a consumer reporting agency, can not furnish accounts without my written Instructions. 15usc 1681c sec A ( 5 ) no consumer reporting agency may make any consumer reports containing any of the following items of information or any information, other than records of convictions of crime with Antedates. The report more than 7 years.15usc 1681. If a person knows or have congressional reasonable cause to believe that the information is inaccurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I 've disputed these XXXX reportings from XXXX XXXX XXXX numerous times. All XXXX reporting accounts erroneous. Account Status Inaccurate/Should n't be a " Past Due '' balance on a collection. Not to mention no true validation for these accounts has been provided and Experian says that the accounts were verified. Please see attached documents of these erroneous accounts.
Consumer complaint received 2022-04-22
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

So, bank of america charged me {$35.00} for three times and it's on XX/XX/XXXX 2 times and on XX/XX/XXXX. That comes to a total of {$100.00} and when I called the bank they said that they couldn't taken off the fee and I tried to explain my situation here that I didn't do those transactions and that is why when my balance were already low, and the transactions amount are higher than my balance, then BoFA charged me.
Consumer complaint received 2021-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

On XX/XX/21 me and my husband paid off a collection debt with the company IQ data. We were sent a copy of the agreement to our personal emails. stating that this company will send a request for deletion to all 3 credit bureaus. When paid in full. We paid {$1200.00} to the company as our agreement with them. My husband had the information deleted from all 3 credit bureaus, but remained on my report this was a joint account.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, I got this message from my bank on XX/XX/XXXX, then immediately I texted no. 
Then I tried to solve this issue with my bank and XXXX, but I didnt solve it ; also, I hadnt bought anything from XXXX XXXX I have requested the receipt if they have, but I didnt send them. 
Here is the message from my bank : BofA Security : Did you use your credit card ending in XXXX at : XXXX XXXX, {$220.00}, Declined, XX/XX/1XXXX XXXX, {$150.00}, Approved, XX/XX/13? 

Reply YES or NO To opt out of fraud alerts, text STOP.
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act credit bureau has violated my rights 15USC1681 section 602 A states I have right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 

XXXX XXXXXXXX XXXX # XXXX has violated my rights XXXXXXXX XXXX # XXXX has violated my rights XXXX  XXXX bankruptcy discharged has violated my rights XXXX XXXX  XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Sections 602 A States I have the rights to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-04-22
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. (TN)

In accordance with the fair credit reporting act credit bureau has violated my rights 15USC1681 section 602 A states I have right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Both Transunion and XXXX have violated my rights by reporting inaccurate information on my consumer report. I have made several attempts to have them delete these wrongful listed items, but they did not do anything. Meanwhile they say the accounts have been verified but XXXX has removed them because they are inaccurate and can not be verified. So how can Transunion and XXXX verify these accounts Remove all accounts : XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX In fact the FCRA laws have been violated : 15 USC 1681 Section 602 that states i have the right to privacy 15 USC 1681 Section 604 Section 604 A Section 2 : - consumer reporting agency can not furnish an account without written instructions.

15 USC CODE 1681a - Definitions : rules of construction - Exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

IRS confirmed Charge off as taxable income and written off by the creditor. Therefore, it is income that has to be reported but is not reported on a credit report.
Consumer complaint received 2022-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Kikoff Inc. (DE)

I had been making payments for over a year using the same bank account. I logged in one day to find my bank account had been taken off right before a payment was due and I could not make the payment. I can not readd the bank account to pay. Emails went unanswered. I now have a late payment on my account and credit report.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Account # [ XXXX ] To Whom It May Concern, I am writitng to forrmally dispute the accuracy of the information reported on my credit report by TransUnion, XXXX, XXXX, and XXXX XXXX regarding Account # [ XXXX ]. 

I have no knowledge of this account and believe it to be inaccurately reported on my credit report. As such, I am formally requesting an investigation into this matter and the removal of this account from my consumer reports.

Under the Fair Credit Reporting Act ( FCRA ), furnishing inaccurate information about a consumer is a violation. Additionally, violations of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) further support my claim that this account is in violation of my rights and tarnishing my creditworthiness. 

I request that the account # [ XXXX ] be thoroughly investigated, and if found to be inaccurately reported or in violation of any laws or regulations, be promptly removed from my consumer reports.

Please conduct a comprehensive investigation into this matter and provide me with a written response detailing the actions taken to rectify the inaccuracies.

I expect prompt action in resolving this matter and appreciate your attention to this dispute.

Sincerely,
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank is refusing to issue a credit for a fraudulent transaction on my checking account for {$250.00} from an apparently based on my research scam company called XXXX XXXX that steals peoples debit card information and other pieces personal information. I have never used nor authorize use of the charge via this service if it even exists in a simple XXXX search will review multiple articles of people being arrested in XXXX and other Places under under a company name XXXX XXXX  and fraud