davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

In XXXX I received a letter in the mail notifying me that I was approved for a promotional balance transfer of 0 % APR for 12 months. I got online and requested the balance transfer on my Amazon rewards credit card. I continued to use the credit card for amazon purchases. On my XXXX and XXXX bill, I was charged interest even though I paid down my balance to the balance transfer amount, which per the promotion would be charged 0 % interest. I called Chase to correct this error and they explained that payments are applied to the newest balance first and refused to refund the interest and correct my promotional balance. The advertisement was unfair, deceptive and not an accurate representation of the promotion being offered.
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have this credit card I am paying and trying my best as I could to pay and explain through phone calls that I am having hardship. I Had set up my account on them as " paperless '' that way no one knows but me. Even though I received a call from them and I had explained my part whats going on and even payed an amount that I could for now. They still sending letters to my address and It happens my husband received now he opens the letter and sees details and created us a grudge and he instructed me to leave the house. Now I am homeless. but my car. and what makes me furious is they said I never had payed 5 payments but I paid monthly.
Consumer complaint received 2020-03-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Helm Associates (PA)

I asked for an extension just for a few days because i was unable to make my payment on the date it was due. I'm currently out of work because of the coronavirus and have been since social distancing started. I work face to face with clients and im commission based so if i dont work i dont get paid. The loan company has the ability to shut the car off using a passtime device so ive been having to gas up 24/7 just to keep my car on because once i turn it off i wont be able to turn it back on until its paid and these people do not work with you AT ALL.
Consumer complaint received 2024-06-24
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. (NJ)

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. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Hello CFPB rep please find below, On or about XX/XX/2020 XXXX CST Portfolio Recovery contacted me about a debt owed previously by another company of XXXX credit card keeping in mind we are under a national emergency and a state emergency across the USA with COVID19 virus trying to collect a now third party debt as Portfolio Recovery address XXXX XXXX XXXX XXXX VA XXXX Are u kidding me this should be a lawsuit against said company in their blatant attempt to collect a  uncollectible debt under the FCRA being sold by original creditor and this has been also reported to the XXXX and MAG Missouri Attorney General for review but CFPB consumer financial protection bureau must also investigate and enter findings under current national status and pandemic protect ur citizens of the USA immediately ty for your attention and understanding in this matter this did occur on the above said date and time while people are unemployed and FEMA SEMA working with citizens to recover
Consumer complaint received 2020-03-24
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. (NJ)

transunion are reporting false information. The accounts that are open by FRAUD a XXXX  XXXX XXXX XXXX account number XXXX with a balance of XXXX XXXX XXXX account number XXXX that is showing closed XXXX  XXXX  XXXX OPENED XXXX BALANCE XXXX XXXX/ XXXX XXXX XXXX opened XXXX balance of XXXX account number XXXX duplicated accounts are also showing on XXXX  XXXX IT IS MY ACCOUNT BUT SHOWING TWICE PLEASE REMOVE ONE XXXX XXXX XXXX with a XXXX balance.
Consumer complaint received 2022-12-28
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. (SC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-03-28
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. (IL)

TransUnion LLC XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-03-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have been disputing the inaccuracies on my credit report with all three credit bureaus. There are two items on my credit report that I have no knowledge of and, I would like to know how to have this matter resolved. I also disputed directly with the furnisher and they did not provide me with the correct information to validation the debt
Consumer complaint received 2020-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

( XXXX  # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, FTC XXXX, FTC XXXX ) COMPLAINTANT has used Venmo service without problem in the past with two different bank accounts. Around XXXX, COMPLAINTANT has voluntarily terminated his account. In/About XXXX and on XXXX, Venmo staffs indicated that bank statements were needed to reactivate those bank accounts under his accounts. However, for new accounts, bank statements were not necessary to verify account ownership. COMPLAINTANT has traveled or visited various places with wi-fi hotspots where he is certain that other parties were using Venmo at the time as well as exchanging payments. On XXXX, Venmo has suddenly froze/locked COMPLAINTANTs account to require a photo ID upload. Upon upload ( XXXX ), Venmo went further to require bank statements on all his bank accounts ( XXXX ) related to the Venmo account, contradicting their earlier statements on XXXX that bank statements are only needed when re-activating or migrating from previous accounts to newer accounts. When COMPLAINTANT has questioned whether there was valid reason to place a restriction, Venmo has suspended/revoked his account. On XXXX, Venmo has sent a final Venmo statement that lists all transactions. Interestingly, Venmo has sent an updated statement on XXXX upon being confronted by COMPLAINTANT for sending incomplete information. ( Not to mention that Venmo needed COMPLAINTANTs help for navigating around its own system ). COMPLAINTANT is baffled that PayPal is overlooking whatever security flaw that Venmo to have allowed COMPLAINTANT on its platform as Venmo employees kept recommending PayPal to COMPLAINTANT for transfers instead. On XXXX, COMPLAINTANT has verified with the Venmo representative that the account was to be operational after adding debit card information. To add to the mystery, on XXXX, a phone number that was never used with Venmo was rejected as invalid number upon enrollment. On XXXX, XXXX with Venmo has claims that COMPLAINTANT is too much of a high risk to be allowed on Venmo platform. Citing that previous use of his bank accounts on the platform was problematic, not to mention that ( 1 ) previous account/s were closed voluntarily without issue and ( 2 ) XXXX call indicates that no problem was found by Venmo representatives on COMPLAINTANT 's account as well as insisting that addition of debit card would fix any remaining issue. Venmo staffs are seen disguising their request for bank statements with the use of taking on unnecessary role of enhancing banking security. COMPLAINTANT recalls no action taken on his part to cause this problem, but that Venmo has unilaterally started this unfounded act and later on accuse COMPLAINTANT for being unreasonable.
Consumer complaint received 2020-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TN)

Company asks " Send us proof that you have paid the debt and we will be more than happy to remove it from your credit once we have verified with the property that they did receive the payment. '' They should be showing proof that I owe this debt.
Consumer complaint received 2020-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

This debt collection agency is attempting to collect debt that I have no knowledge of. According to the collection on file, ARS Account Resolution based in XXXX, FL ( XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX ) is claiming I owe {$160.00} from XX/XX/2017. I was fully insured through my employer with a XXXX insurance plan and would not have incurred any medical debt during this time. 

This collection was reported to the three major credit bureaus ( XXXX, XXXX  and XXXX  ) and both XXXX  and XXXX  responded to my dispute stating that I had no knowledge of this debt and proceeded to delete the collection from my credit report. XXXX  has responded to multiple disputes placed by me by " verifying '' the debt but they have not sent me or given me access to anything that explains how this debt is tied to me. 

ARS Account Resolution has not responded to several letters that I have sent them citing Section 609 of the FCRA.

Having this blemish on my credit report ( especially when I have absolutely NO knowledge of it ) is hurting my credit and hindering on my financial independence.
Consumer complaint received 2020-03-24
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. (IL)

I have been going back and forth with the credit bureaus about an account reporting on my credit report. It is for XXXX XXXX  Credit Cards. I PAID FOR A DELETION and they are still reflecting on all 3 reports. They have it displayed as a Chargeoff/Collection/Settled for less than owed and that is not fair because I paid them to delete it off my credit reports entirely. They are reporting unfairly and incorrectly and it is an error they are reporting at all. I also want to submit a complaint against XXXX XXXX because they are reporting a late payment for 5 years ago in XX/XX/XXXX and they will not give me proof to verify this and do not respond to my written communication. Lastly, my last complaint I would like to submit is against Equifax because Equifax is reporting 2 " Equifax Mortgage Services ''  inquiries in XX/XX/XXXX without my permission! Equifax won't provide me with any information regarding these inquiries and I would like to report them.
Consumer complaint received 2019-04-15
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. (TX)

I went to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX to look at a 2007   XXXX XXXX XXXX pickup and a 2007  XXXX XXXX box truck. I wanted to test drive and negotiate as I wanted to pay cash.

1. I was told financing wasn't an option as the autos were older than 10 yrs.

2. The box truck was considered commercial and could not be financed.

Regardless, I didn't want to finance the autos. If all worked out, I wanted to make a deal for both trucks-CASH -- NO FINANCING.

Prior to test drive, the dealer required that I complete a credit application for no reason other than potential discriminatory reasons. I have never heard of anyone requiring a credit report prior to a test drive. They already obtained a copy of my insurance and drivers license. There was no reason to check my credit file. This was deceptive. I requested the dealership to remove the used car inquiry but they did not respond.
Consumer complaint received 2020-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (CA)

On XXXX, Zelle indicates that COMPLAINTANT has to use mobile data plan in order to register for a new account. COMPLAINTANT has attempted without use of Wi-Fi Network but sign-up still failed. On  XXXX XXXX XXXX platform, its Zells functionality for COMPLAINTANT is also failing to send verification emails nor show up on web browsers. No other people or organization are having this problem per Zelle 's claim at this time around XXXX XXXX XXXX XXXX. Zelle states it is upto institutions such as XXXX to maintain its Zelle functionality whereas XXXX states it is upto Zelle to fix any platform issue regarding it. COMPLAINTANT is uncertain whether the fault is to be attributed to Zelle, XXXX or to both. 
To add, on XXXX, COMPLAINTANT tried to setup a new account with " XXXX - XXXX XXXX  XXXX '' via Zelle using different email and phone number. However, around XXXX and XXXX XXXX, Zelle indicated that previous attempt of enrollment shows that use of foreign based email server/address has caused the COMPLAINTANT 's signup with Zelle to fail. COMPLAINTANT 's signup still failed upon reinstall of the Zelle app. Interestingly later on, Zelle indicated that it has no retained data of any sort of this new profile COMPLAINTANT is trying to establish. COMPLAINTANT wonders how Zelle representatives became aware of previous attempts for signup when it has no retained data of any sort regarding this incident. Zelle representative claims that it was up to COMPLAINTANT to clean-up any issues or failures as the app is user-based. However, COMPLAINTANT would like to counter-claim that if the Zelle app from its backend server had no problem to start with, COMPLAINTANT then would not have to call in. ( For what is a relatively easy and simple process for any mobile user ).
Consumer complaint received 2022-12-28
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. (WI)

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. 

Dept of ED / XXXX : XXXX American credit acceptance 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (MS)

I applied for a Discover Card and was approved, then they send me an email to sign so they can verify my information with the IRS, then they close the account. Mind you I received the credit card and couldnt use it. Why approve me and then close the accoit. Discover Card is a SCAM!!
Consumer complaint received 2020-03-24
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been going back and forth with the credit bureaus about an account reporting on my credit report. It is for XXXX XXXX  Credit Cards. I PAID FOR A DELETION and they are still reflecting on all 3 reports. They have it displayed as a Chargeoff/Collection/Settled for  less than owed and that is not fair because I paid them to delete it off my credit reports entirely. They are reporting unfairly and incorrectly and it is an error they are reporting at all. I also want to submit a complaint against Capital One because they are reporting a late payment for 5 years ago in XX/XX/XXXX and they will not give me proof to verify this and do not respond to my written communication. Lastly, my last complaint I would like to submit is against XXXX  because XXXX is reporting 2 " XXXX  Mortgage Services '' inquiries in XX/XX/XXXX without my permission! XXXX won't provide me with any information regarding these inquiries and I would like to report them.
Consumer complaint received 2020-03-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

On XX/XX/2020 I mailed a certified letter to AD Astra requesting the debt they claim belongs to me. 

On XX/XX/2020 I received what looks like a letter with original creditor and loan type, but no supporting documents or proof of signature baring this debt belongs to me. 

On XXXX XXXX another certified letter was mailed out again requesting the same information again, Also demanding that if this proof could not be provided that it this erroneous debt be removed at once from All reporting Credit Agencies. Yet again I was received on bill dated for XX/XX/2020 with the same bill that was I received in XXXX. This information still did not bare any proof that this debt belongs to me. 

At once I am requesting this information be removed from all of my credit reports. There has not been any significant proof that this debt belongs to me. I have reached out to Ad Astra in attempts to handle this with the consumer with out any success. I have provided proof of the two bills they have mailed baring no proof that this debt belongs to me. I have not received a signed contract or any signature for that matter as any type of proof.