davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-24
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. (NV)

I reviewed a copy of my credit report and show inaccurate information shown. This creditor XXXX XXXX is showing a late payment listed on XX/XX/2020. I sent in a dispute to advised I have never been late on this account. I also contacting creditor and creditor stated that they will update account to show on time payment. I still as of yet have not received and update or a credit report showing the updated result.
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive called Bank of America several times over the past 10 years or so about this issue and the core has not been resolved. 

When making a credit card payment, they do not limit the payment to the remaining statement balance. The result is that if Ive received a refund or credit on my credit card during the month, that is not removed from the autopay amount, and my credit card ends up with a negative balance. The overpayment can lead to margin interest being charged at the other brokerage, or worse, an overdraft. 

Because the solution is so incredibly simple from an engineering perspective ( limit credit card payment to remaining statement balance ), Im convinced they are doing this to benefit themselves. I imagine that people are more likely to spend that debit away rather than ask for a transfer of the overpayment back to the account it was paid from. I know this happens frequently since the representatives I speak to know exactly what to do when I describe my problem.
Consumer complaint received 2021-08-01
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. (UT)

In XXXX I submitted 3 disputes requesting to have my 2 student loan serviced accounts with Department of Education re-submitted onto my credit file with all three credit bureaus with the correct balances but my request has not been completed to the satisfaction of my request ; they have refused to add the accounts to my report.
Consumer complaint received 2020-12-24
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: EQUIFAX, INC. (NV)

I reviewed a copy of my credit report and show inaccurate information shown. This creditor XXXX XXXX is showing a late payment listed on XX/XX/2020. I sent in a dispute to advised I have never been late on this account. I also contacting creditor and creditor stated that they will update account to show on time payment. I still as of yet have not received and update or a credit report showing the updated result.
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

My son sent me {$40.00} dollars from his PayPal account to mine ( This is all relevant to my complaint so please bear with me. ) He immediately realized that he used the wrong card to send me the money. he use his credit card and intended to use his debit card. He contacted me and I initiated a refund. ( this all happened in less than 2 minutes. ) Here is the complaint number he filed against PayPal concerning this issue.XXXX-XXXX. Basically PayPal stole the {$40.00} from him and told him numerous lies to justify stealing it. He filed a dispute with his bank. He kept a verbatim copy of the conversations he had with PayPal, Concerning this {$40.00} refund using their messenger app. He included a copy of that conversation in with his dispute. After his bank read the conversations and saw all the lies PayPal told to him regarding the {$40.00} the bank refunded his money back to him. Yesterday day I log into my PayPal account and I have a message that I have a negative {$40.00} balance on my PayPal cash account. I contact PayPal using their messenger app and they tell me that since my sons bank found in his favor and returned the money PayPal stole from him that I owe PayPal {$40.00}. I refunded the {$40.00} immediately. PayPal even confirmed that I refunded the money ( see attachment PayPal refund XXXX ) and that the refund had completed. I did my part and refunded the money. What PayPal did with it after I refunded it is not my responsibility. PayPal went on record and stated that the refund from my PayPal account to my sons account was completed. Now PayPal is trying to steal {$40.00} from me. I in no way owe PayPal {$40.00}. PayPal stole the {$40.00} from my son and that was fraud. My sons bank ruled in my sons favor and returned the money PayPal stole from him back to his card. How am I responsible for PayPal stealing {$40.00} from my son and telling lies to justify stealing it.? I am uploading the original conversation my son had with Paypal using their messenger. ( See PayPal conversation ) read it yourself. They told numerous lies. Nothing PayPal says can be believed. I am also uploading my conversation with PayPal where they claim I owe them {$40.00}. ( See PayPal lies volume 2 )
Consumer complaint received 2021-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AR)

I'm a victim of Identity Theft and I reported that to Chime. Sent the Identity Theft Report and also sent the police report I file a dispute on the transaction that I didn't do in which I couldn't because my card was stolen with other very important items as well. Chime claim that it wasn't any error from the dispute of XXXX. It put an negative on my account then on XX/XX/2021. I received an deposit from IRS Child Tax Credit which was sent to Chime by mistake. After that my account was suppose to be closed on XX/XX/2021. Chime was wrong very rude and took from me and my children
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a credit card from XXXX XXXX XXXXXXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXXXXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2021-08-02
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: ENCORE CAPITAL GROUP INC. (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Midland Credit Management Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).
Consumer complaint received 2021-08-01
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. (UT)

****Attention Credit Bureaus, XXXX XXXX has illegally violated my rights under the FCRA section 605 B by negligently reporting alleged fraud and identity theft debts per FCRA section 623 as the Data furnisher to you all. I have provided them the Data furnisher valid and active police report numbers to retrieve the required documentation from the XXXX XXXX police department which they have negligently failed to do so. Instead XXXX XXXX willingly reported this debt anyways to all 3 credit bureaus. I demand immediate removal of all reporting promptly due to these major violations under the real FCRA federal codes.
Consumer complaint received 2023-06-23
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. (TN)

XXXX Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account XXXX XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX Account 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 or my account without my written instructions.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (FL)

I have a XXXX account and 3 XXXX accounts that were originally managed by AES, that first went delinquent in XX/XX/XXXX. I have tried to dispute this 3 times with the credit bureaus XXXX  and XXXX  and XXXX/AES directly. XXXX and AES is trying to say that my account first went delinquent in XX/XX/XXXX. AES originally had these accounts and sent it to XXXX and XXXX in XX/XX/XXXXbecause it was delinquent and charged off in XX/XX/XXXX. This however, is not the original delinquency date. They are trying to say that I was in deferment but these loans did not qualify for deferment. I have submitted my credit report showing the negative reporting since XX/XX/XXXX. I have submitted the payment history. I even submitted the collection agency and payments I made to them. These accounts are over XXXX years old and need to be removed from my credit. XXXX/AES is refusing to remove it. Please help me!
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one has kept these accounts on my credit report for longer than the law states in regards to a consumer. I have requested removal through the credit bureaus however these accounts have caused a great deal on consumer injury. My personal information have been involved in many data breaches and being denied credit rightfully due is wrong. Going back n fourth with these creditors and credit reporting agencies are not helping. They sent documents back saying verified when nothing have been done about these accounts they only remain.
Consumer complaint received 2023-09-01
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The moment I received the duplicate of my report that I purchased with XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were COLLECTION accounts and inquiries on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these collection accounts and inquiries. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNT : XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022.
Consumer complaint received 2021-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have opened an XXXX XXXX account in XXXX of 2020. According to XXXX XXXX, it has been reported to all 3 credit bureaus since XX/XX/2020. I have opened this account to build credit. 
As of today, it has not shown on Transunion, even after I have been told by XXXX XXXX, that it has been reported to them for approximately 18 months. 
I have opened another account with XXXX XXXX, and again the other 2 credit bureaus already had it in my credit report a month by now, but Transunion doesnt have that on my report either. 
For same exact information on all 3 bureaus reporting, Transunion is 60 points less, than the other 2, which is not just extremely unfair, but prevent me to be able to purchase a house for a year now!
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I have been working with this creditor since XXXX to settle this account in full and remove all negative information reported including late payments. This account should show status as closed with XXXX balance and XXXX past due amount with no late payments reported. Letter from the company confirming this is dated XX/XX/2021 and still has yet to be fixed on my credit report
Consumer complaint received 2021-08-01
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. (CO)

I have been working with this creditor since XXXX to settle this account in full and remove all negative information reported including late payments. This account should show status as closed with XXXX balance and XXXX past due amount with no late payments reported. Letter from the company confirming this is dated XX/XX/2021 and still has yet to be fixed on my credit report
Consumer complaint received 2021-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NY)

Through checking my credit report/score, I saw that there was a collection notice submitted by Sequium.com on behalf of XXXX XXXX XXXX XXXX. It was for an a phone bill that was overdue. The account was opened in GA and I live in XXXX. I never traveled to GA and I am already a good customer with XXXX XXXX XXXX in a very good standing. 

I tried contacting Sequium.com through phone and email to dispute my debt but I could not get in touch with them and did not get an email back. I called XXXX XXXX XXXX and put in a dispute. I have not heard from them yet. 

I have disputed this with all credit bureaus and both XXXX  and XXXX  removed this collection from my notice. XXXX  claims that the debt is mine but did not provide me with additional information. I have called XXXX  and they told me to gain contact XXXX XXXX XXXX and file another dispute. 

I am not sure how this happened but it is a lot of work to remove a fraudenlet activity espcially when XXXX  is not cooperating very much with me even though the other bureaus were quick to remove this collection from my account and restore my credit score.
Consumer complaint received 2021-07-31
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. (VA)

I opened an account with XXXX XXXX in or around XX/XX/XXXX. The account was set up with automatic payment installments through XXXX XXXX. In XX/XX/XXXX, I approved a payment deduction from my bank ( XXXX XXXX XXXX ). The bank flagged the amount and business as fraudulent payment. After verifying the funds were confirmed paid. However, XXXX XXXX reported my account as late on my credit report. I disputed this information through Credit Bureaus, it was temporary removed from my records but recently reappeared. Further noticing a negative change in my credit report making my scores lower and greatly impacted my ability to qualify for credit. This item has been disputed through CFPB in the past.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CT)

I filed a dispute with Experian regarding old and inaccurate information that is reported on my credit report. Yet, they continue to leave this information there. My name is XXXX XXXX but they continue to report names such as XXXX XXXX XXXX. XXXX isn't even my middle name, so if they are reporting this information incorrectly there is no telling what other information on my report is being reported incorrectly as well. My current address is XXXX XXXX XXXX. XXXX . XXXX XXXX, CT XXXX, which I provided to them with a current bank statement as proof of address. However, Experian still continues to report outdated and even non-existent addresses, such as XXXX XXXX XXXX XXXX XXXX, CT XXXX. Not only is this address outdated, it also doesn't even exist. So I fail to see how a thorough investigation into my information was done if they're reporting an address that doesn't even exist on my credit report.
Consumer complaint received 2021-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

Chime banking suspended my account and they won't say in detail why other than suspicious activity and they had me resend my legal documents to verify my identity. I did what they asked and haven't got a response back and it's been past the 48 hour mark. I call and I'm told the same thing to wait on them and they will respond but they haven't and this is causing me alot of problems like my car has been cut off for lack of payment, therefore no way to work, no food at home and I have children and much more.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I hope all is well.. 

This shouldnt of ever been on my credit to begin with XXXX XXXX  XXXX from XXXX XXXX for {$490.00}. Its been XXXX  out and closed because it meets the FCRA requirements. I need it completely removed from all three credit bureaus. Thank you for your time. Have a wonderful day and please be safe.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope all is well.. 

This shouldnt of ever been on my credit to begin with XXXX and XXXX from XXXX XXXX for {$490.00}. Its been XXXX  out and closed because it meets the FCRA requirements. I need it completely removed from all three credit bureaus. Thank you for your time. Have a wonderful day and please be safe.