davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
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. (CA)

I am submitting a complaint against Experian due to their failure to address errors on my credit report despite multiple dispute attempts. Despite my efforts to rectify inaccuracies, Experian 's investigations have not resulted in the necessary corrections. 

On the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I utilized Experian 's online Document Upload Form to dispute items on my credit report. These disputes were made in an effort to address inaccuracies and incomplete information. 

Experian 's investigation results, dated XX/XX/XXXX, indicated that the reported items were either updated or certified as accurate by the reporting companies. Similar results were received on XX/XX/XXXX, and XX/XX/XXXX, with Experian stating that the items were either " updated '' or " certified as accurate ''. 

Upon reviewing my Experian report dated XX/XX/XXXX, I discovered that the items I had disputed remain unresolved and continue to report inaccurate and incomplete information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : This account fails to report essential details such as the balance, date of balance update, recent payment date, monthly payment amount, and account terms. 

XXXX - XXXX : This account lacks reporting on the recent payment date, monthly payment amount, and account terms. Furthermore, the payment history is incomplete, showing several months as " No Data ''. 

XXXX XXXX - XXXX : Similar to the previous account, this one does not provide critical information such as the balance, date of balance update, recent payment date, monthly payment amount, and account terms. 

I am including copies of the letters sent to Experian, along with copies of their investigation results, and a recent copy of my report still showing the accounts with errors they are certifying are reporting accurately.
Consumer complaint received 2020-06-19
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. (TN)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CashRepublic Holdings, Inc. (TX)

I disputed this item With XXXX XXXX Because its over 7 years old in XXXX the results were for it to be deleted from my credit report buts still there and its XXXX
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX 1 ) Reporting the same account twice on my report 2 ) Has mixed up several accounts 3 ) Reporting different status to the reporting agencies. XXXX has paid, Experian has included in XXXX. 
4 ) Reporting past the seven year reporting limitations- Account was closed negative in XXXX of 2016. 

The XXXX XXXX XXXX rep, told me if I paid off the balance they would remove, but they did not. They updated the date for the collection and made the credit report look like this was a recent issue.
Consumer complaint received 2023-01-05
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. (FL)

I have sent letters in to dispute item from my report, but i haven't received any update from the companies. The letters were sent out late XX/XX/2022. I wish we can speed up this process because I'm being affected by what's on my report.
Consumer complaint received 2020-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

There were 4 charges on my PayPal account to the same person using 3 of my cards that were saved on PayPal. I did not authorize these charges, certainly not sending money using credit cards. I do not know the person that I allegedly sent money to. 

I submitted a PayPal claim stating such, and it was denied and closed in a matter of hours. They claimed that they did not see evidence of it being unauthorized, even though I am claiming and TELLING them I did not authorize those charges. 

I have tried to get in touch with their customer service only to be greeted by robots and when asked to speak to an agent another automated message states they can not take my call and hang up. I have called all 3 customer service numbers. I was able to speak to an agent after being on hold for over an hour, for her to transfer me to a dead end and my call was dropped. 

I have messaged the askpaypal XXXX account with no answer. Messages their XXXX with no answer. As well as PayPals own message center multiple times with no answer. 

I have emailed them as well regarding the claim for {$470.00}, with no answer.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C. (IA)

I had a credit card with a company called XXXX. 
Back in I believe XXXX, I received notice from XXXX that their business was closing, all cards would be unusable and to continue to make payments via their app. It was not long after that I was unable to access my account to even be able to pay. I was unsure what to do from there and assumed that someone had purchased all of XXXX 's credit accounts and we would be notified who I needed to continue payments with. Around the same time, we purchased a house in XXXX. I had changed our address and figured I would get some form of communication. I received no letters regarding who now owned the debt until yesterday XX/XX/XXXX. I was served a Notice and petition for judgement filed by Gurstel Law Firm PC in behalf of XXXX XXXX XXXX XXXX. ( The current owner of the debt ). I contacted Gurstel Law to explain the situation, ask to set up payments and to stop the judgement. They we unpleasant to talk to and agreed to set up payments of {$120.00} a month and they advised would submit a temporary stop on judgment under the terms that no payments were missed. I asked the Attorney to please let me know what the total I would have to pay back would be and he said that there will be the balance plus court fees which he advised would be at least {$95.00} as well as service fees in which he would not tell me the total of. I was forced into a payment plan of which I have no idea the total amount they will be taking from me. That is one major issue I find. The other larger issue I see is that the Attorney told me that in order to stop the judgement, I have to sign an agreement for the payment plan and send it back to them. He advised the letter will take 2-4 weeks to get to me and i have to mail it back. The issue is that I only have 20 days before I forfeit the judgement. I asked the attorney if they will stop the judgement before considering i authorized the payment and payment plan and he told me he couldn't give me legal advised. What I'm gathering is that they are attempting to force a judgement on me by delaying paperwork even thought this whole issue was not my fault and even though I am actively attempting to resolve it. I am at a loss of what to do and can not afford an attorney to help me with this. It is in my eyes extremely predatory and unethical.
Consumer complaint received 2023-08-17
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. (NC)

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 for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I enter into a payment arrangement with representative XXXX XXXX of XXXX XXXX XXXX. According to MrXXXX XXXX, I had an outstanding balance of {$1500.00} from The XXXX XXXX  XXXX. I was surprised because I was currently in the process with XXXX XXXX from XXXX XXXX of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. I asked him what can I do to prevent from hurting my credit. MrXXXX XXXX ensured me that if I make a payment and continue to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though I have NEVER missed a payment and/or never later ( they drafts my account ever 2nd of the month ) XXXX XXXX XXXX blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/2020, payment on XX/XX/2020, they reported me late before XX/XX/2020 payment was due. I inquired with Mr. XXXX and he acknowledged that I was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. I contacted Mr. XXXX 's manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/2020. It now XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they continue to lie and refuses to provide me with a copy of the deletion letter and the printed payment history. I have left several messages and now Mr. XXXX no longer respond.
Consumer complaint received 2020-08-12
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)

On or about XX/XX/2020, my father-in-law added me as an authorized user on his credit card accounts to help improve my credit score. He has a stellar credit score of XXXX. 
On XX/XX/2020, instead of the credit score increasing for me, it dropped 38 points for me AND My father-in-law!!! When i checked with XXXX, and Trans union they could not give me a reason for the reduction. I was able to obtain a copy of my credit report. I did not see any changes warranting a decrease in score. Because there was only positive information added to my credit report, there should not have been a reduction -- only an increase in the credit score for myself and no change for my father in law. Due to the fact that I am in the process of buying a car in XX/XX/2020, I would like the credit bureaus to correct the error immediately.
Consumer complaint received 2020-06-19
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. (TN)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

XX/XX/2023 ( {$4800.00} ) National Credit Systems placed inaccurate information on my credit report. Address : XXXX XXXX XXXX XXXX XXXX. I mailed a certified letter to this company addressing this matter. Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Georgia. Ive disputed it online as well.
Consumer complaint received 2024-02-14
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. (MO)

3 closed complaints before XXXX XXXX  means there all computer generated responses THAT DO ABSOLUTELY NOTHING TO FIX ANYTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been trying to get Walmart credit card through Capital One to help me with my interest on both of my accounts with them. My interest is very very high and my family and I have been devastated by COVID in more ways than you can imagine. I am making the payments and have never been late once I need someone from the Corporate office to contact me in regards to my interest rates, and I do not understand why Capital One is not willing to work with me as I am struggling. I do not want to ruin my credit and need someone to discuss my options. I have called about 7 times and no one will help me so I had no choice to make this complaint.
Consumer complaint received 2020-09-28
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: Experian Information Solutions Inc. (CA)

I AM REPORTING INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

On XX/XX/XXXX, I received a call from XXXX XXXX XXXX the caller claimed to be from " PRA ''. The re caller requested identifying personal information from me ( SSN #, DOB, etc ), I refused to provide the requested information. The caller said " I'll refer this to our lawyers as you are not cooperating '' and hung up. I searched for the number ( https : XXXX ) and found that it was PORTFOLIO RECOVERY ASSOCIATES. 

On XX/XX/XXXX I sent a letter via certified mail demanding information about the allesged debt as is my rights as defined by the Fair Debt Collections Practices Act ( attached Letter A ) & ( Attached USPS form ) which shows delivered on XX/XX/XXXX according to the USPS Website " Delivered XXXX, VA XXXX Your item was delivered at XXXX pm on XX/XX/XXXX in XXXX, VA XXXX. '' I have received no written communication from PORTFOLIO RECOVERY ASSOCIATES as of the filing of this complaint. 

On XX/XX/XXXX at XXXX XXXX, I received a call from XXXX XXXX XXXX, caller hung up. Called back as was connected to Portfolio Recovery and the call was taken by a " XXXX ''. XXXX ( declined to give further info ) asked for DOB, I declined. She asked for the information multiple times. I ended the call As per the Fair Debt Collections Practices Act, PORTFOLIO RECOVERY ASSOCIATES is violating several laws and needs to be held accountable. 

Thank you.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

I opened a checking account for a {$300.00} bonus. Now, I am being told it is only a {$200.00} bonus that was applied to my account even though I clearly gave the right offer code when signing up.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

About 10 years ago I received a car loan from Chase and opened a checking and savings account with them. In XXXX, I opened a business account and credit card processing. At the end of XXXX, I opened a different business account with no credit card processing. Both business accounts had other signers. 

In XX/XX/XXXX, I received a letter from Chase in the mail that they were ending their banking relationship with me for my personal accounts. I called and spent about an hour on the phone and they refused to give me any information as to why they were closing my accounts or if a person or algorithm made the decision. I went to my local branch where I was well known by the staff and they reviewed my checking and savings account and said they could not see any transactions that would cause alarm. 

The manager at the local branch said they would not tell her why they were closing my accounts. She suggested it might be because we pull a lot of cash out of one of the business accounts ( the one without credit card processing ). We receive international wire transfers in, take the money out to XXXX   XXXX, and then XXXX XXXX XXXX. Chase reviews our account about once a year and we explain where the money is coming from and where it is going and everything is fine. Our business accounts were not closed. I closed the first account with credit card processing because I was not going to continue to have products from Chase when they were treating me poorly. 

I looked online and there were a lot of reasons that people 's accounts were closed, I have had none of these instances. My credit score is XXXX, my account was not in the negative and I had about $ XXXX in my savings account. The transactions were my paycheck going in, bills and shopping going out, and small amounts of cash from the ATM every other month. I was not selling my credit card points, I had not attempted to buy cryptocurrency, I work in the XXXX XXXX, did not deposit money orders, no credit piggybacking, I did not open accounts, no large cash deposits, and all my accounts were in good standing. 

The maddening part is no one at Chase will tell you why they are ending the banking relationship. I asked how long I was banned from Chase and I was told for life. I read online some people were able to successfully open accounts after a year. There is no possible way I can correct any issues Chase might have had a problem with because I do not know what they are and there is no clear indication of what they might be. It is illogical to close my personal accounts for transactions on a business account that was allowed to remain open. 

XX/XX/XXXX, I was approved for the Chase United Explorer card with a $ XXXX opening balance. The account was closed a few months later because their partner had chosen to end their banking relationship with me. This prevents me from obtaining extra airline rewards on a carrier I have frequent flyer status with.
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I paid for a rental property on XXXX for {$1900.00} using XXXX XXXX on XX/XX//2020 which was funded by my debit card through my Bank of America checking account. The transaction turned out to be fraudulent and the funds unrecoverable from the perpetrator who resides somewhere in XXXX ( unbeknownst to me ). I filed a fraud complaint with XXXX XXXX to which there was no response and they do not have a live help phone number. They subsequently unilaterally closed my XXXX XXXX account. I also submitted a fraud claim via Bank of Americas complaint process which was denied with no good explanation. The letter from BofA doesnt have a phone number which I can call to understand why it was denied. I then called the main consumer banking phone number and was shuffled from department to department to department. I would wait hours on line then the phone would inexplicably go dead. I have tried to reach someone for 3 days with the same result. My father who is a Platinum tier client at BofA also tried calling for me with no better results. If I didnt know better, it would appear the call center is designed to autoroute the calls around departments and ultimately drop the call to avoid dealing with issues. The bank is clearly unresponsive. Not sure how to progress. Im a XXXXyear XXXX on a limited income. Thank you for any assistance you can provide.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have notice an unauthorized inquiry on my credit report on XXXX XXXX that was XXXX bank. I contacted XXXX XXXX and they put a fraud alert on my account. On XXXX XXXX I got an email from capital one saying that XXXX XXXX 's has added me as an Account user on her account that is actually my account. Super confusing. I was on the phone with capital one all day they were unable to help me so I have decided to check XXXX just to make sure there wasn't any suspicious activity. When I long in I found out that they have my address changed to some California one. I live in XXXX XXXX, CO. 
here is the address that was on my account that is not associated with me -- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. 
I called XXXX fraud department and they removed the address from my account. But they told me to file a repot with you. I also put a freeze on my account.