davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX my wife and I flew to XXXX XXXX on XXXX XXXX We each had small roll about with only clothes and toiletries and weighed 7 and 6 kg each At checking in I was charged {$17.00} for baggage that we carried onto plane in overhead Later, I read airline rules and we were each entitled to 7 kg for carryon to plane
Consumer complaint received 2024-02-12
Product: Credit 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: CRED Technologies dba cred.ai (TX)

On XX/XX/year>, a total of XXXX unauthorized transactions were debited from my Cred.ai account, depleting it almost to its entirety within minutes. I contacted the XXXX Police Department and filed an offical report. I also filed a dispute with Cred.ai and provided them with a copy of the police report. 

The way Cred.ai works, is you have a credit card and you have a deposit account with a bank. I make deposits into the deposit account, and Cred.ai automatically makes payments, as needed, in a timely fashion. This system is meant to help establish a credit profile with fiscally responsible habits exhibited. 

The bank marked the associated charges to my credit card as not needing to be paid until the conclusion of the investigation. The funds are currently residing in the deposit account, but is not available for me to access. 

Cred.ai provided the following explaination : -- -- -- - " The Dispute Team actively manages this process to ensure resolution within the timeframes required by applicable law ( no more than 90 days ), and they may contact you if additional information is needed. 

To ensure the disputed balance is excluded from your credit card interest and payment calculations, a balance adjustment in the amount of the disputed balance has been added to your credit card statement. This adjustment will be listed as Other Credits in the Account Summary details on your credit card statement for the month in which your dispute was made. 

To ensure your Safe Spending Services function as intended, the funds in your deposit account associated with the disputed balance will not be made available in your Available to Spend balance during the investigation of your claim. '' -- -- -- The issue at hand is : I have requested several times for Cred.ai to make these funds available to me, either through credit availability or by refunding my deposit. I live paycheck to paycheck and can not pay my rent or my bills due to this. Although I did give Cred.ai permission to apply payments to my credit account on my behalf, I did not give Cred.ai to move money wherever they want to, for whatever reason the think is fit. The intent of the provisional credit is to not hold me responsible for the unauthorized charges, and to mitigate harms that it may have caused. This is being circumvented by Cred.ai illegally misappropriating funds that they have no right to be accessing. 

Cred.ai refuses to remedy or respond to the issue.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (OR)

I was swindled out of {$280.00}, and attempted to seek reimbursement. PayPal emails from an address impossible to reply to. My feeling is they were simply waiting for me to open an account. They were trying to force me into a corner that if I dont open an account to use the resolution center XXXX couldnt be helped. I made over XXXX attempts to reach them. I was on the phone with their XXXX who barely spoke XXXX and didnt know what a URL was for over XXXX minutes. PayPal demanded that url from me even tho they had the business website since its their customer. I signed up for XXXX to reach them as well. The guy gave me a special email address and said I could send it there. I emailed them with that information then they responded that they still hadnt heard from me. I then emailed the same content XXXX times in XXXX day. Heres their final response : Update on your case We received the case ( XXXX ) you filed on XX/XX/XXXX. We have reviewed this transaction ( XXXX ) and are denying your case ( XXXX ). The decision was made because we did not receive a response from you with supporting details for the case. We're sorry for any problems you XXXX have experienced with the transaction ( XXXX ). Transaction information Dispute Case ID XXXX XXXX XXXX {$280.00} USD Dispute Amount {$280.00} USD Transaction ID XXXX Transaction Date XX/XX/XXXX I have no where to go but small claims court. The reason I refused to sign up with papal because they refused to acknowledge I purchased a broken XXXX XXXX XXXX set from a con whos sitting in prison today. Sadly they refused to consider my evidence. I closed my account and said Id never sign up again. Well now any business that uses PP wont get mine. How come we as consumers cant easily sue these thieves? They are not given any supervision. What does this process accomplish except give the perps an opportunity to laugh at us fools who come here and get absolutely XXXX support. Ok I guess in reality this is merely a place to leave a review. Come on guys call it what it is. Nothing absolutely nothing is accomplished with this process is it merely designed to mock us? As a helpless dog XXXX in XXXX XXXX. PayPal you are evil. I HATE PP. PAYPAL = THIEVES.
Consumer complaint received 2023-03-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-03-20
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. (NY)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collections ), XXXXXXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX ( Collections ), XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXXXXXX ( Collections ) and XXXX XXXX XXXX ( Collections ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MN)

I called Chase Bank in XXXX about a credit line I had started on my business account because I couldn't make my credit card payments at the time and explained my financial situation, I've been in severe debt and unable to make any payments for the past few months and had an overdue amount. They told me over the phone that if I made scheduled payments of XXXX per month, I could avoid additional finance charges. I still have additional late fees and charges racking up to the tune of XXXX dollars a month. I called in and was told that I had misunderstood what the scheduled payments were for. The implication from the first call was that this was the minimum to avoid additional charges, and it isn't very clear to me why they would schedule these miniscule payments at all if this was the case. Now I'm going to have to struggle to pay off the overdue amount to avoid additional charges and have to pay another month of interest on that amount. I feel really deceived, patronized and confused.
Consumer complaint received 2023-03-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A. (SD)

Debt Collection Law Firm in over 14 FDCPA and FCRA and CFPB violations. 

Have filed a frivolous lawsuit without answering and proving they are the holder in due course, have a signed contract with my name on it or have a contract to collect on behalf of XXXX, XXXX.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. 

Here is the list of accounts that is still reporting on my Credit Reports : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$700.00} XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$50.00}XX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$820.00}
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

When will this bank give me proper accurate information their customer service keeps giving me wrong information I just want my debit card to be contactless tap to pay as they offer on their credit cards I just dont understand why they dont yet have them on the debit cards and they tell me its offered but when they send me a replacement it has a boring chip its time for them to upgrade their technology espicwlltnwith pandemic
Consumer complaint received 2021-01-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (NE)

In 2015 I was placed into a car loan with a 24.99 % rate on a XXXX vehicle. leaving me to pay more than double on a car. locking subprime borrowers into auto loans it knew, in some cases, carried default rates of greater than 70 %. I was not offered any other option to finance a vehicle, I was unaware that an internal score was used to approve me and not notified. I am now upside down due to trading the vehicle in. A settlement was approved for {$200.00} that I have not received and that is not enough for the amount of the payments I made and the equity I am now in.
Consumer complaint received 2021-01-06
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. (LA)

I feel so stress about my credit report. I've sent disputes last XXXX regarding to those unknown and inaccurate accounts on my credit report but it's 90 days now but there's no response yet. I demand to immediately DELETE those accounts or I will file a litigation.
Consumer complaint received 2020-08-18
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: Fidelity National Information Services, Inc. (FNIS) (WA)

On CHEX SYSTEMS REPORT there is a bank account that is reporting and is not mine and is very noticeable and verifiable because it show the last 4 digits of the social security to NOT match mine. This bank account has the same name and DOB but of course different social security numbers because we all have our own social security numbers. I disputed with Chexsystems and they claim that the negative reporting of the bank is accurate, because the bank CLAIMS that when this negative bank account was opened, the social security number they are reporting on my Chex systems report is what was used to open the account. They are claiming that just because we have the same name and DOB that this account is mine, which I CAN'T UNDERSTAND why if the bank is showing a total different SOCIAL SECURITY NUMBER than mine. Last 4 numbers are all different. So here I get stuck on my Chex systems report, reporting a FALSE account which you can clearly see that the ss number is different reporting on my report. If Chex systems can VERIFY themselves and clearly see that those numbers are incorrect why don't they remove that information? That is against the law to report something that is not yours on your credit report. Chexsystems refuses to remove it just because the bank says that it is the social security number that was used at the time the account was opened. I clearly understand that but shouldn't it be reporting on the person who has my same name and same DOB but DIFFERENT SOCIAL SECURITY NUMBERS? This is how people are different from every person who has the same names and same DOB and same addresses is by our SS Numbers. Remove this account Please.
Consumer complaint received 2023-06-07
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-07
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. (CA)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later, I have not received a response. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report.It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person,
Consumer complaint received 2023-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Called Trans Union 3 different times after spending 30 to 45 min on phone and asking to explain to me why they are reporting 30 60 30 day late payments. After going over the accounts I was put hold on while they looked into it and was hang up on each time. In XXXX I tried to dispute the accounts and they came back verified. I paid and closed Both accounts the same day XXXX XXXX Account XXXX also Account XXXX. XXXX also Transunion are reporting inaccurate information. 
As of XX/XX/XXXX is being reported Account XXXX *Updated : XX/XX/XXXX ( Inaccurate ) *Last Payment of {$0.00} ( how can they report {$0.00} payment ) ( Wrong info ) * *Date XXXX ( waited two months to report the account closed ) *Last Payment XXXX ( The date of last payment made ) Account XXXX Updated XX/XX/XXXX Payment received : {$120.00} ( I haven't made a payment to this account since I closed Accouts. ) Last payment made : XX/XX/XXXX Date Closed:XXXX also reporting history XX/XX/XXXX This is completely against FCRA and has caused hardship to me and my family by these credit Bruals doing frivolous acts to consumers knowingly and I want this to be off my report. Next I will be contacting a consumer law attorney if this is not taken care of in a timely manner
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later, I have not received a response. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report.It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person,
Consumer complaint received 2023-06-07
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. (CA)

On XXXX, 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 OPM data breach as well as Equifax '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 XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX